CalcVo

Finance Calculators

Free finance calculators for mortgage payments, compound interest, and loan amortization. Live charts, instant results, no signup.

Estimate monthly mortgage payments with principal, interest, taxes, and insurance breakdown.

Project savings growth with compound interest and recurring contributions.

Calculate personal, auto, student, or business loan payments with amortization schedule.

Generate a full loan amortization table with principal, interest, and balance per payment.

Estimate how much house you can afford using income, debts, and the 28/36 DTI rule.

Compare your current mortgage to a refinanced loan — payment savings and break-even analysis.

Calculate true Annual Percentage Rate including loan fees and finance charges.

Calculate car loan payments with trade-in, sales tax, fees, and amortization schedule.

Project credit card payoff date, total interest, and savings vs minimum payments only.

Compare debt snowball and avalanche strategies for paying off multiple debts faster.

Estimate take-home pay from gross salary or hourly wage after federal taxes, FICA, and common deductions.

Calculate sales tax, pre-tax price, or post-tax total. Add or remove tax bidirectionally.

Estimate US federal income tax, effective rate, marginal bracket, and refund or amount owed.

Calculate tip amount, total bill, and per-person split with preset percentages and optional tax.

Calculate work hours, regular and overtime hours, and gross pay from clock in/out times.

Calculate total return, CAGR, and profit from starting and ending investment values over time.

Project your retirement nest egg and monthly income from savings, contributions, returns, and a safe withdrawal rate.

Calculate the monthly savings needed—or time required—to reach a financial goal with interest.

Calculate personal net worth as total assets minus total liabilities, with category breakdowns.

Add or remove VAT from a price. Calculate net, VAT amount, and gross totals for any VAT rate.

See how inflation changes prices and purchasing power over time using compound annual inflation.

Calculate your debt-to-income ratio from income and monthly debts, with a CFPB-style safe, warning, or high risk band.

Find your emergency fund target from monthly expenses and see the monthly savings needed to reach 3–6 months of coverage.

Plan a monthly budget across income, essential categories, and custom expenses to see exactly what's left over.

Calculate sales commission and bonus earnings across one or many sales, with an effective blended commission rate.

Estimate employee net pay and total employer cost per pay period from gross salary, tax withholding, and deductions.

Calculate regular pay, overtime pay, and total earnings from hourly rate, hours worked, and your overtime multiplier.

Convert an annual salary into hourly, daily, weekly, and monthly pay rates based on your work schedule.

Estimate shares owned and projected dividend income by month, quarter, or year from an investment amount and yield.

Calculate your weighted average cost per share across multiple stock purchases, plus break-even price and unrealized profit or loss.

Project your portfolio's future value from a starting investment plus recurring contributions at a chosen frequency and expected return.

Estimate trip fuel cost from distance, fuel economy, and price — with MPG or metric units and one-way or round-trip totals.