View Results

Cash Flow

College

Credit & Debit

Home & Mortgage

Taxation

Insurance

Paycheck & Benefits

Qualified Plans

Retirement

Saving

Investment

Auto

Business

Other

Personal Debt Consolidation Calculator

¿Debo Consolidar Mi Deuda Personal En Un Nuevo Préstamo?

Con las tazas de interés más bajas de lo que se han visto en el pasado, tal vez sea bueno el consolidar algo de sus deudas de tarjetas de crédito y otras deudas personales en un préstamo consolidado, típicamente un préstamo sobre el patrimonio neto de su casa. Préstamos de consolidación pueden reducir los pagos requeridos mensualmente significativamente porque generalmente son amortizados a más de 10 ó 15 años. Utilice éste calculador para determinar que tan pronto puede salir de deudas y cuanto interés podrá ahorrar.

Información consolidada del pago

Información actual de deudas

BalancePago mensualTasa anual
(0% a 40%)
Tarjeta de crédito 1 ($)
Tarjeta de crédito 2 ($)
Tarjeta de crédito 3 ($)
Tarjeta de crédito 4 ($)
Préstamo de auto 1 ($)
Préstamo de auto 2 ($)
Préstamo para bote/vehículo para recreación ($)
Otro préstamo 1 ($)
Otro préstamo 2 ($)
Otro préstamo 3 ($)

Icon of a hand with money

How to Conquer Credit Card Debt

While credit is very important to the economy, its abuse is harmful. Credit is extended with the faith that borrowers will repay the debt. Goods and services are provided on credit with the expectation that they will be paid for with money in the future. Credit makes commerce more convenient. When credit is abused, everyone loses. Credit abuse increases the cost of credit to everyone.

One should never use credit to purchase things for which one will not be able to pay in the future. Many impulse purchases are made on credit with little thought given to how the debt will be repaid in the future. If one calculated the true cost of goods bought on credit, one would have second thoughts about making the purchase in the first place. Here is an example: a new television flat-screen HDTV model retails for $5,000. If purchased on a credit card with a 12% annual percentage rate (APR) compounded daily, and with minimum monthly payments of $166 paid over three years, it winds up costing over $5,980. Is it worth almost $1,000 more to have it now (furthermore, the retail price in 3 years will probably drop)? That is like going into a store that advertised "SALE--ADD 20% TO EVERY PURCHASE."

Click here for full article
Icon of a stack of cash

5 Ways to Create a Budget That Works

In personal finance, you set financial goals so you can plan your budget around those goals. After all, they are your priorities, aren't they? Here is how financial planners work with budgets:

A budget has two main components: cash coming in (inflows) and cash going out (outflows). If you subtract the outflows from the inflows, the answer should always be zero. That is called balancing the budget.

Click here for full article
Icon of a pie chart

Advantages of a Good Credit Score

Interest is the charge added to a loan that makes up the cost of money. Interest is usually expressed as a percentage of the loan principal. The principal is the original amount of the loan. The interest rate tells you what percentage of the unpaid loan will be charged each period. The period is usually a year but may be any agreed-upon time. Here is how it works. Let's say you loan your friend $100 at 5% annual interest. At the end of a year—the period—you should receive $105, or $100 of principal and $5 interest. Simple, isn't it?

Let's say your friend doesn't repay the $100 principal, but pays you only the $5 interest; then the next year your friend will still owe you the $100 plus another $5 in interest. The preceding is an example of simple interest. Simple interest is the amount of money to be paid each period on a principal amount due.

Click here for full article
Money Help Center
Esta información puede ayudarle a analizar sus necesidades financieras. Se basa en la información y las suposiciones que usted proporciona sobre sus objetivos, expectativas y situación financiera. De los cálculos no se deduce que la empresa asuma ninguna obligación fiduciaria. Los cálculos proporcionados no deben interpretarse como asesoramiento financiero, jurídico o fiscal. Además, esta información no debe considerarse como la única fuente de información. Esta información procede de fuentes que consideramos confiables, pero no podemos garantizar su exactitud. Las ilustraciones hipotéticas pueden proporcionar información sobre el rendimiento histórico o actual. Los resultados pasados no garantizan ni indican resultados futuros.
Powered By CalcXML Calculators For Websites