PocketLedgerPERSONAL FINANCE DESK
ON YOUR DESK
Loan PaymentCompound GrowthSavings GoalSale PriceTip & Split
No account needed.
Your numbers stay here.
YOUR PERSONAL FINANCE DESKLOCAL CALCULATIONS / NO SIGN-IN

A clearer picture
of your money.

Borrow, save, and compare.
One assumption at a time.

BorrowingFixed-rate loansSee payments and total interest
SavingMonthly milestonesModel contributions and growth
Everyday spendingSmall decisionsCheck a discount or share a bill
START A SCENARIO

Your loan, at a glance.

01

Fixed nominal interest. Fees, taxes, and insurance excluded.

Choose a money question.

01Loan PaymentEstimate the monthly payment on a fixed-rate, fully amortizing loan.02Compound GrowthModel an initial balance with regular monthly deposits.03Savings GoalFind the monthly contribution needed to reach a target without assumed interest.04Sale PriceSee the sale price, savings, and tax on the discounted amount.05Tip & SplitSplit a bill evenly after adding a percentage tip.
A PRACTICAL FIELD GUIDE

Numbers with their assumptions.

Money questions become easier when assumptions are visible. PocketLedger focuses on ordinary scenarios, with inputs you can change and results that separate principal, contributions, savings, and costs. We keep projections transparent so that an estimate is never mistaken for a lender quote or an investment promise.

Read the guide →

What happens to my inputs?

Calculations run in this page. No account, uploads, or tracking cookies are needed. Read the privacy policy for hosting and contact details.

How should I use a result?

Keep your inputs, check the formula, and review the limits listed on each tool page before using an answer.

Can I report an issue?

Yes. The contact page helps prepare an email with an example and the result you expected.