Ledgerly is a full program that runs in your browser and needs JavaScript. Please enable JavaScript, or use its engine as tools without it:
- Subscription Stack – Add up every subscription, spot overlaps and see which ones to cancel and what you save.
- Cancellation Navigator – Verified steps to cancel Netflix, Spotify, Prime & more, plus a cancellation letter.
- Bill Detective – Spot spikes, price changes and calculation errors across your utility bills.
- Hidden Fee Finder – Paste a quote, contract or invoice and see every fee, tax, penalty and add-on.
- Loan Amortization Calculator – Annuity, linear or interest-only loans: schedule, extra payments, fixed-rate balance, APR.
- Deadline Decoder – Find every deadline, required action and consequence in a letter or notice.
- Life Admin Generator – A dated to-do list for moving, marriage, a baby, a new job and other life events.
- Digital Estate Organizer – List your online accounts and get a prioritised plan for what happens to them – no passwords needed.
- How Long Will It Last? – Estimate remaining life of appliances and home components and plan the replacement.
- Repair or Replace – Fix it or buy new? The 50% rule plus a cost-per-year check, with a clear verdict.
- Warranty Value Calculator – Is the extended warranty worth it? Expected payout vs. price and break-even failure rate.
- True Cost Calculator – What a car, pet, appliance, home or gadget really costs per year, month and day.
- Is It Worth It? – Buy, rent, repair or subscribe? Compare total cost and NPV over the years you need it.
- Bulk Buy Brain – Is the bulk pack really cheaper once waste, storage and tied-up cash are counted?
- Price Per Everything – Compare products by price per gram, use, serving, hour or year of life.
- Break-even Explorer – When does an investment pay for itself? Payback, NPV and IRR for solar, EVs, heat pumps…
- Decision Simulator – Compare 2–6 choices by expected value, worst case, best case and minimax regret.
- Salary Reality Check – Compare job offers by real net pay per hour, including commute time and living costs.
- Tip & Bill Split Calculator – Tip, tax and who pays what: split a bill equally, by shares or by items, rounded up.
- Percentage & Ratio Calculator – X% of Y, % change, reverse %, percentage points, ratios and aspect ratios, with formulas.
- Inflation Time Machine – What was money from one year worth in another? CPI-based, 20 countries, World Bank data.
- Currency Converter – Convert an amount into several currencies at ECB euro reference rates, with rate date and source.
- Historical FX Chart – Chart exchange rates over time from ECB data: min, max, average, change, volatility and CSV export.
- Multi-Currency Invoice Calculator – Convert invoice lines in different currencies at ECB reference rates, with VAT, rounding and totals.
- Travel Exchange Fee Calculator – Compare what cards, ATMs, DCC and exchange bureaus really cost abroad vs the ECB reference rate.
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