Finance Calculators
From mortgages to retirement, these finance calculators use the same formulas banks and lenders use — with every total and fee shown, not hidden. Work out a payment before you borrow, and watch interest grow before you invest.
EMI Calculator
Work out the fixed monthly payment (EMI) on any loan, with total interest and total cost.
Open toolSimple Interest Calculator
Interest on a principal at a flat rate — no compounding, just the clean I = P × R × T answer.
Open toolCompound Interest Calculator
See how money grows when interest earns interest, with yearly, monthly or daily compounding.
Open toolLoan Calculator
Monthly payment, total interest and payoff cost for any loan amount, rate and term.
Open toolLoan Eligibility Calculator
Estimate how much loan you can qualify for based on your income, debts and expenses.
Open toolMortgage Calculator
Full home-loan breakdown: principal, interest, taxes, insurance and an amortization schedule.
Open toolSavings Calculator
How much you'll have after regular deposits and interest — and what a head start is worth.
Open toolAPR Calculator
Convert a loan's rate and fees into its true annual percentage rate (APR).
Open toolTax Calculator
Estimate the income tax owed from your salary, filing status and deductions.
Open toolInterest Calculator
A flexible interest tool — simple or compound, with deposits, withdrawals and a growth view.
Open toolRetirement Calculator
Project your nest egg at retirement and how long your savings could last.
Open toolInvestment Calculator
Future value of a lump sum or regular investments, with growth shown year by year.
Open toolCAGR Calculator
The compound annual growth rate between a starting and an ending investment value.
Open toolROI Calculator
Return on investment as a percentage, plus an annualized return for fair comparisons.
Open toolAuto Loan Calculator
Car payments with trade-in, sales tax and down payment figured in.
Open toolLease Calculator
Monthly lease payments from price, residual value, money factor and term.
Open toolAmortization Calculator
A full payment schedule showing how each payment splits between principal and interest.
Open toolSalary Calculator
Convert between hourly, weekly, monthly and annual pay — before and after tax.
Open toolPaycheck Calculator
Estimate take-home pay after federal, state and payroll deductions.
Open toolInflation Calculator
What today's money will be worth in the future — or what past prices equal now.
Open toolDebt Payoff Calculator
A payoff plan for credit cards and loans — avalanche or snowball, with a debt-free date.
Open toolNet Worth Calculator
Add up your assets, subtract your debts, and see exactly where you stand.
Open toolMargin Calculator
Gross margin and markup from cost and selling price, for pricing that protects profit.
Open toolMarkup Calculator
The selling price you need for any target markup percentage over cost.
Open toolBreak Even Calculator
How many units you must sell to cover fixed and variable costs — your break-even point.
Open toolMargin vs Markup Calculator
Convert between margin and markup so a 25% markup is never confused with a 25% margin.
Open toolHome Affordability Calculator
How much house you can afford from income, debts and down payment — using the 28/36 rule lenders use.
Open toolRefinance Calculator
Compare your current loan with a new one: monthly savings, total savings and your break-even month.
Open toolCredit Card Payoff Calculator
When a card balance hits zero at your payment — and exactly how much interest you'll pay on the way.
Open toolSIP Calculator
Future value of monthly investments with compounding — invested amount, gains and year-by-year growth.
Open toolVAT Calculator
Add VAT or GST to a net price, or strip it back out of a gross price — any rate, with the tax shown separately.
Open toolDebt-to-Income Calculator
Your front-end and back-end DTI ratios from income and monthly debts — the numbers lenders check first.
Open toolRent vs Buy Calculator
The true net cost of renting versus buying over the years you'll stay, with the break-even year.
Open toolCD Calculator
Certificate of deposit maturity value and interest at any rate, term and compounding frequency, with APY.
Open toolAnnuity Calculator
Future value of a series of equal payments — ordinary annuity or annuity due, plus the payment needed to reach a target.
Open toolFuture Value Calculator
What a lump sum (plus monthly deposits) grows to at any rate, term and compounding frequency.
Open tool401(k) Calculator
Project your 401(k) balance with contributions, employer match, raises and investment returns, year by year.
Open toolMortgage Payoff Calculator
How extra monthly payments shorten your mortgage — months saved, interest saved, new payoff time.
Open toolStudent Loan Calculator
Monthly payment, total interest and payoff time for a student loan on standard repayment.
Open toolSavings Goal Calculator
The monthly amount you need to reach a savings goal — or how long a fixed monthly amount will take.
Open toolEmergency Fund Calculator
Your 3- to 12-month emergency fund target from essential expenses, and a monthly plan to close the gap.
Open toolBudget Calculator
Build a 50/30/20 budget from your take-home pay and compare your actual needs, wants and savings against it.
Open toolCommission Calculator
Commission on a sale at a flat rate, or with graduated tiers — plus your effective rate.
Open toolOvertime Pay Calculator
Weekly pay with overtime at 1.5× and double time at 2×, broken down line by line.
Open toolMaking sense of money math
Money decisions usually fail on the totals, not the monthly payment. A loan that looks cheap per month can cost thousands more in interest, and a savings rate that looks small can beat a bigger one once compounding has time to work. That is why every CalcViso finance calculator shows the full picture: total interest, total cost and a schedule or year-by-year table — not just one headline number.
Not sure which tool fits? Use the Loan Calculator for any general loan, the EMI Calculator when a lender quotes you a fixed monthly installment, and the Amortization Calculator when you want to see exactly how each payment splits between principal and interest. For home loans, the Mortgage Calculator adds taxes, insurance and extra payments, so you can compare a real lender quote line by line before you sign anything. Buying soon? The Home Affordability Calculator works backwards from your income to a sensible price, and the Refinance Calculator shows the month a refinance starts paying off. Card balances have their own plan in the Credit Card Payoff Calculator, and regular monthly investing is covered by the SIP Calculator.
Three more specialists round out the section. The Debt-to-Income Calculator shows the front-end and back-end ratios a lender computes before anything else, and the Rent vs Buy Calculator compares the true net cost of each over the years you will actually stay, including the break-even year. Businesses and travellers use the VAT Calculator to add or remove VAT and GST at any rate, and savers comparing deposit offers get the honest APY from the CD Calculator.
Planning tools round out the section: the 401(k) Calculator projects a balance with employer match and raises year by year, the Mortgage Payoff Calculator shows what extra monthly payments save, and the Student Loan Calculator prices a degree's debt honestly. For goals, the Savings Goal Calculator and Emergency Fund Calculator turn a target into a monthly amount, the Budget Calculator applies the 50/30/20 rule to real spending, and the Annuity Calculator and Future Value Calculator cover payment streams and lump-sum growth. At work, the Commission Calculator and Overtime Pay Calculator handle the pay structures a salary figure hides.