Seven tools
Pick the tool that fits your situation
Each solves a different problem. Use one or all.
Why LedgerLift
Everything you need, nothing you don't
Updated weekly
Finance News & Updates
Live headlines across real estate, freelance finance, tax law, and mortgage rates. Pulled fresh so you always know what affects your money.
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Calculator 1
Freelance Tax Estimator
Estimates federal income tax + self-employment tax (15.3%), quarterly payments, and the deductions most freelancers miss. Supports W-2 hybrid income and all 50 states.
Income mode
Your total self-employment revenue before any expenses
Software, equipment, home office, subscriptions, etc.
SEP-IRA, Solo 401k, Traditional IRA
Annual estimate
💡 How to lower this number ▼
Maximize retirement contributions — SEP-IRA allows up to 25% of net self-employment income (max $69,000 in 2024). Every dollar contributed reduces taxable income dollar-for-dollar.
Track every business expense. Home office, internet, phone, software, professional development, and health insurance premiums for self-employed all reduce your SE income.
Consider an S-Corp election if earning over $60K — it can reduce SE tax by splitting income between salary and distributions. Talk to a CPA before doing this.
Pay quarterly on time to avoid the underpayment penalty (typically ~8% annualized on what you owe).
Calculator 2
Rental Property Tracker
See your existing rental's true monthly profit or loss — factoring in vacancy, maintenance, and every expense landlords forget.
Income & expenses
Monthly snapshot
💡 How to improve cash flow ▼
Reduce vacancy by offering lease renewal incentives 60 days before expiration. A 1% drop in vacancy rate on a $1,800 rental adds ~$216/year.
Shop landlord insurance annually — rates vary 20-40% between providers for identical coverage.
If cash flow is negative without management fees, avoid hiring a property manager until rent income improves.
Consider a rent increase at renewal — even $50/month adds $600/year and often costs nothing to implement with good tenants.
Calculator 3
Property Buy Analyzer
Run the full investment analysis before you make an offer. Includes cap rate, cash-on-cash return, NOI, amortization schedule, 1% rule check, and plain-English verdict.
Property details
Deal analysis
💡 How to improve this deal ▼
Negotiate the purchase price down 5% — on a $280K property that's $14K less, which improves cap rate, reduces mortgage, and boosts cash-on-cash simultaneously.
Increase rent potential before buying: check comparable rentals in the area on Zillow or Rentometer. Even $100/mo more = $1,200/year extra NOI.
Put less down (15% vs 20%) to improve cash-on-cash return — though this raises mortgage payments, the smaller cash outlay can yield better percentage returns.
Look for properties with value-add potential (below-market rent, cosmetic updates needed) where you can force appreciation.
Amortization schedule — first 10 years + full table
Calculator 4
Compare Two Properties
Enter two deals side-by-side. LedgerLift runs both analyses and tells you which is the stronger investment and why.
Property A
Property B
Calculator 5
Break-Even Calculator
How many years until your investment pays for itself? Combines total cash invested against annual cash flow to give you a clear payback timeline.
Investment inputs
Break-even result
Year-by-year cumulative return
Reference
Finance Glossary
Plain-English definitions of every metric and term used across LedgerLift's calculators. Hover over any icon in a calculator to see these inline.
Pro Feature
Multi-Property Portfolio
Track all your rentals in one place. Add properties, see combined cash flow, and spot which ones are performing — and which aren't.
Year-over-Year
Financial Trend Tracker
Log your annual income, tax burden, and rental cash flow each year to see how your finances are trending over time.
📈
No data yet
Log your first year to start tracking trends.
Never miss a deadline
Quarterly Tax Reminders
The IRS requires freelancers to pay estimated taxes four times per year. Missing a deadline triggers an underpayment penalty. Set your email below and we'll remind you before each one.
Q4 Prior Year
Jan 15
Income earned Oct–Dec
Q1 Current Year
Apr 15
Income earned Jan–Mar
Q2 Current Year
Jun 16
Income earned Apr–May
Q3 Current Year
Sep 15
Income earned Jun–Aug
Your estimated payment due
Next deadline
—
Days until due
—
From today
Amount to set aside
—
From tax calculator
Email reminder signup
Enter your email and we'll send a reminder 14 days before each quarterly deadline — with your estimated payment amount included.
What happens if you miss a deadline?
IRS underpayment penalty rate (2026)~8% annualized
Penalty on $5,000 missed payment~$100–200
Can you avoid it?Yes — pay on time or use safe harbor
Safe harbor rulePay 100% of prior year's tax in 4 equal installments
Live rates + pre-approval
Mortgage Rate Tracker
Current benchmark mortgage rates, rate alerts, and access to pre-approval tools. Rates shown are national averages — your actual rate depends on credit score, down payment, and lender.
Rate alert — notify me when rates drop
Enter a target rate below. When the 30-year fixed drops to or below your target, we'll send you an email so you can re-run your Buy Analyzer numbers.
Get Pre-Approved
Ready to move on a property? These lender partners offer competitive rates for investment properties. Checking your rate is free and doesn't affect your credit score.
Find a Tax Professional
A good CPA who specializes in real estate or freelance income can often save you more than their fee in the first year. These directories connect you with verified professionals.
🧾
TurboTax Live
On-demand CPA review of your self-employed return. Flat fee, no surprises.
Get Expert Help →
🔍
AICPA Find a CPA
Free directory of licensed CPAs. Filter by specialty including real estate and self-employment.
Find a CPA →
💼
Bench Accounting
Monthly bookkeeping + year-end taxes for freelancers and small landlords. Starts at $299/mo.
Learn More →
Legal
Privacy Policy
Last updated: June 8, 2026
1. Information We Collect
LedgerLift collects your email address when you sign up for tax reminders, rate alerts, or purchase a Pro subscription. All calculator inputs are processed locally in your browser and are never transmitted to our servers.
2. How We Use Your Information
We use your email solely to send quarterly tax reminders, mortgage rate alerts, and subscription receipts. We do not sell or share your information with third parties for marketing purposes.
3. Payment Processing
All payments are handled by Stripe. LedgerLift does not store your credit card information. See stripe.com/privacy for details.
4. Data Storage
Portfolio data, trend history, and reminder preferences are stored in your browser using localStorage. This data never leaves your device.
5. Affiliate Disclosure
LedgerLift participates in affiliate programs with mortgage lenders, tax software providers, and accounting services. We may earn a commission when you click affiliate links.
6. Disclaimer
LedgerLift provides financial calculators for informational purposes only. Nothing on this site constitutes financial, tax, or legal advice. Always consult a qualified professional.
7. Contact
For privacy questions: ledgerliftsupport@gmail.com
Legal
Terms of Service
Last updated: June 8, 2026
1. Acceptance of Terms
By using LedgerLift you agree to these Terms. If you do not agree, do not use the service.
2. Not Financial Advice
LedgerLift provides calculators for informational purposes only. Nothing constitutes financial, tax, investment, or legal advice. Consult a qualified professional before making financial decisions.
3. Pro Subscription
Pro is billed at $9/month or $79/year via Stripe. Cancel anytime by emailing ledgerliftsupport@gmail.com. We offer a 7-day money-back guarantee for new subscribers.
4. Limitation of Liability
To the fullest extent permitted by law, LedgerLift shall not be liable for any indirect, incidental, or consequential damages arising from your use of the service.
5. Contact
Get in touch
Contact & Support
Have a question, found a bug, or want to share feedback? We read every message.
Send us a message
Frequently asked questions
Is my financial data safe?
Yes. All calculator inputs are processed in your browser. Nothing you type is ever sent to our servers.
How do I cancel my Pro subscription?
Email ledgerliftsupport@gmail.com with "Cancel subscription". We'll cancel immediately and confirm by email.
Are the tax estimates accurate?
They're solid estimates based on 2024–2026 federal tax brackets. Use LedgerLift to understand your situation, then confirm with a tax professional for your actual filing.
Do you offer refunds?
Yes — 7-day money-back guarantee, no questions asked. Email within 7 days of your first payment.