Hearth & Ledger Decision Portal
Zero Sign-Ups · Instant Browser Math & Plain-English Clauses

Hearth & Ledger: Free Practical Decision Tools, Contract Scanners & Letter Builders

Calm, transparent calculators and protective document builders for homeowners planning renovations, landlords weighing a 12-month lease against Airbnb, freelancers locking client scope, and renters recovering deposits.

4 Live Interactive Tools: 100% free in your browser Private by Design: Calculations run locally on your device Master Property Bundle: Save $26 across 3 flagship packs

What are you trying to protect or plan today?

Select your situation or type keywords (e.g., kitchen bid, airbnb, revisions, deposit) to match the right free tool and paid pack.

60-Second Room Remodel Cost & Surprise Calculator

Run the 60-Second Room Remodel Calculator first to establish a realistic contingency reserve before reviewing contractor quotes, then lock line-item bids in the $19 Remodel Pack (or save $26 with the $39 Master Bundle).

Best-Value Property Upgrade: Need renovation, rental yield, and move-out protection together? Grab the $39 Complete Property Master Bundle (Save $26)
Featured Best-Value Offer · Save $26

The Hearth & Ledger Complete Property & Homeowner Master Bundle ($39: Save $26 across Remodel + Landlord/Airbnb + Deposit and Walkthrough Packs)

Every spreadsheet, contractor bid audit, rental vs. short-term cashflow model, move-out wear-vs-tear schedule, and formal demand letter template in one unified download.

  • Room Remodel Cost, Bid Audit & Contingency Toolkit ($19 value): Line-item remodel estimator, 3-contractor bid comparison matrix, change-order log & hidden-surprise checklist.
  • Rental Lease vs. Airbnb True Profit & Landlord Ledger Pack ($27 value): 12-month STR vs. LTR net yield workbook, occupancy sensitivity table, turnover cost tracker & Schedule E prep sheet.
  • Deposit Defender Walkthrough & Statutory Demand Letter Pack ($19 value): Room-by-room move-in/move-out condition ledger, depreciation lifespan guide, photo evidence index & certified demand letters.
Separate Pack Total: $65 ($19 + $27 + $19)
$39
Instant $26 Bundle Savings · Lifetime Updates
Get the Complete $39 Master Bundle

Excel (.xlsx), Google Sheets, Editable Word (.docx) & Printable PDFs

Interactive Calculators, Scanners & Letter Builders

Showing all 4 interactive tools.

60-Second Room Remodel Cost & Surprise Calculator

Estimate realistic material, labor, and hidden behind-the-wall contingency reserves for kitchens, bathrooms, bedrooms, and living spaces before signing a contractor quote.

Free Output: Instant low/mid/high budget range, hidden-risk buffer %, and printable cost breakdown.
Included in the $39 Complete Property Master Bundle (Save $26)

Rental Lease vs. Airbnb True Cashflow Analyzer

Compare 12-month long-term lease stability against short-term Airbnb revenue after platform fees, cleaning turnovers, utilities, vacancy, maintenance, and management.

Free Output: Side-by-side monthly net cashflow verdict, break-even occupancy rate, and hidden expense audit.
Included in the $39 Complete Property Master Bundle (Save $26)

Scope-Creep Shield: Client Brief Red-Flag Scanner & Clause Builder

Paste any client email, RFP, or project brief to flag vague deliverables, unlimited-revision traps, and timeline gaps, then generate plain-English protective contract clauses.

Free Output: Instant risk score, highlighted red-flag phrases, and copy-ready SOW boundary clauses.
Standalone Freelancer & Consultant Contract Pack

Deposit Defender: Renter Wear-vs-Tear Auditor & Demand Letter Builder

Audit landlord security deposit deductions item-by-item against normal wear-and-tear depreciation rules and build a calm, firm, dated refund demand letter.

Free Output: Disputed charge audit total, wear-vs-damage classification, and formal demand letter draft.
Included in the $39 Complete Property Master Bundle (Save $26)