About The Mortgage Ledger
An independent, free mortgage and home-affordability calculator for the US, Canada, and the UK — built and maintained by one person, with source-backed data and an open methodology.
Who's behind it
The Mortgage Ledger is built and maintained by Robinjit Singh, its founder. A computer science student based in Canada, Robinjit built the platform from scratch and maintains its mortgage and home-affordability data across all 50 US states, every Canadian province and territory, and the four UK nations. There's no company, call center, or sales team behind it — just one person who researches, compiles, and verifies the numbers.
Why it exists
Buying a home is the biggest financial decision most people make, and the math behind it is often confusing. The goal is simple: make the numbers clear so you can plan with confidence. The site is independent and ad-supported — there are no lenders paying to steer you, so the figures aren't bent to anyone's benefit but your own.
What it covers
Monthly payments, affordability, property and transaction taxes (US transfer tax, Canadian land transfer tax, UK stamp duty), home insurance, amortization, overpayment, and refinancing — localized to the real rules of each place, because the mechanics genuinely differ (US property tax and PMI; Canadian semi-annual compounding and CMHC; UK SDLT, LBTT, and LTT). Every region has its own page.
Our editorial & sourcing standard
Every figure is a verified regional average or benchmark estimate compiled from public and industry sources, and each carries a last-verified date. Rates come from named official sources (the U.S. Federal Reserve's FRED, the Bank of Canada, and the Bank of England via the ONS). The same source data feeds the calculators, the region pages, and a downloadable CC BY 4.0 dataset, and derived assets are regenerated from the data by script rather than edited by hand — so nothing drifts. The full methodology and sources are published, along with the exact formulas.
Not financial advice
Robinjit is not a licensed mortgage or financial advisor, and The Mortgage Ledger provides educational, source-backed information — not financial advice or a loan offer. Everything here is an estimate to help you plan; when you're ready for exact, binding numbers, a lender will give you an official quote.
Get in touch
Questions, corrections, or data sources to suggest? Email themortgageledger@gmail.com — see the contact page for more.