About RateLever
Last updated November 12, 2026
RateLever is a small, independent personal-finance website that launched in 2026. We build free calculators and write plain-English guides to help people see what their debt is costing them, compare common options, and decide what to look into next.
What the calculators do
- Auto loan refinance: estimates your current loan's APR from your balance, payment, and months left, and what a lower rate could save.
- 0% balance transfer payoff: estimates the payment needed to clear a balance within an intro period, and the interest avoided after the transfer fee.
- Debt consolidation: compares paying your credit cards as you do now against a personal loan or a 0% balance transfer, including fees.
- HELOC vs. cash-out refinance: compares keeping your mortgage plus a home equity line against replacing it with a larger loan.
- Compound growth: shows what regular contributions could grow into under a stated, hypothetical return.
The calculators run in your browser on the numbers you enter, using standard loan and growth formulas. We explain each method and its assumptions under How we calculate. Results are estimates, not offers, quotes, or approvals. When the math says an option probably won't save you money, the calculator says so.
Our guides
Our guides explain how each product works, what it really costs, and its risks, including the reasons you might decide not to refinance, transfer, or borrow. We point to official sources like the Consumer Financial Protection Bureau and the SEC's Investor.gov where useful.
What RateLever is not
We are not a lender, card issuer, broker, or registered investment advisor, and we're not licensed to give financial, tax, or legal advice. We don't make credit decisions or see your credit report. Please confirm rates, fees, and terms with any provider, and consider a qualified professional for advice about your situation.
How RateLever makes money
The site is free to use. Some links to lenders, card issuers, marketplaces, and brokerages are affiliate links: if you click one and take a product, RateLever may earn a commission, at no extra cost to you. Paid links are labeled where they appear. Compensation can influence which partners we feature and where, but it never changes the calculator math. Details are in our affiliate disclosure.
Being new
RateLever is new, and we'd rather be upfront about that than imply a history we don't have. We don't publish testimonials or traffic claims. If you spot an error in a calculation or a guide, please tell us and we'll fix it.
Contact
Email partners@ratelever.com for corrections, privacy requests, partnership questions, or anything else. We read every message.