Last updated: August 27, 2026
The short version: these are free estimating tools, not financial advice. The math is standard, but it can't see your full financial picture — check any number that matters with a licensed professional before you act on it.
By accessing or using The Ledger (shouldirefiornot.com), you agree to these Terms of Service. If you do not agree, please do not use this site.
The Ledger provides free financial calculators covering mortgage refinancing, auto loans, mortgage points, home affordability, extra mortgage payments, and HELOC/cash-out refinance comparisons. These tools are for general educational and informational purposes only.
Nothing on this site constitutes financial, legal, tax, or investment advice. Calculator results are estimates based on the inputs you provide and standard amortization formulas — they do not account for your complete financial picture, lender-specific terms, taxes, insurance, closing costs (unless explicitly stated), or changes in market conditions. Always consult a licensed financial advisor, mortgage professional, or accountant before making financial decisions.
We aim for accurate calculations, but we make no warranties about the completeness, reliability, or accuracy of any results, rates, or figures shown on this site. Use of any information is at your own risk.
This site may display third-party advertisements and affiliate links, including for mortgage and auto lending products. We may earn a commission if you click an affiliate link and complete a qualifying action. Advertising partners are responsible for their own content; we do not endorse specific lenders or products beyond their appearance on this site.
All content, design, and code on this site are the property of The Ledger unless otherwise noted. You may not copy, reproduce, or redistribute this site's content for commercial purposes without permission.
The Ledger and its owner are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on any calculator results.
We may update these Terms of Service at any time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.
Questions about these terms can be directed to support@arcmanagedit.com.