Why another calculator site?
Most financial calculators give you a single number and hide how they got it. CalcLedger takes the opposite approach: every tool simulates your loan or savings plan month by month, prints the underlying formula, and lays out a year-by-year ledger so you can trace each figure. If you wanted to, you could verify any row with a pencil.
Everything runs as plain JavaScript in your browser. Your balances, rates, and payments are never transmitted to a server, stored, or logged — close the tab and they're gone. That also makes the tools fast: results update on every keystroke.
What to try first
If you carry any debt above roughly 6–7% interest, start with the loan payoff calculator and test what an extra $50–$100 per month does to your total interest — the answer surprises most people. Homeowners should try the mortgage prepayment tool to see the years-saved figure for their exact balance and rate. And if you're deciding whether saving early is worth it, the compound interest calculator makes the case better than any article can.