Debt consolidation calculator

Debt consolidation calculatorの使い方

何を計算するか、いつ使うか

Compares keeping your 電流 debts with replacing them by one consolidation loan、including any arrangement fee, 毎月 payment、合計 利息.

使い方の手順

1. List the debts with their balances、rates、payments.
2. Enter the new loan’s 利率、期間、fee.
3. Compare the 毎月 payment、期間、合計 利息.

各入力項目の意味

• New loan 利率と期間 – The offered 利息 利率と年.
• Arrangement fee – A 割合 added〜the loan.

結果の読み方

• Savingsまたはextra 原価 – 利息 on 電流 debts minus 利息 on the new loan.
• 毎月の支払額 – The new payment compared with your 電流 payments.

計算式

New loan = 合計 balances × (1 + fee). Payment = loan × r ÷ (1 − (1 + r)^−n). 利息 on the 電流 debts comes 開始 paying 1個あたり 適用 its own 最小値 空き終了 cleared.

計算例

A 4,500 card 適用 22.9%とabout 1,673. 265.80 instead. Total interest drops from 3,931〜2,259, a saving a 6,000 loan at 12.9% (payments 325 a month) consolidated into a 4-year 9.9% loan with no fee have a payment

前提と限界

• The new loanはfixed-rateですとno new debtはrun up.です
• Early repayment charges on old debts are not modelled.

よくある間違い

• Choosing the lowest payment rather than the lowest 合計 原価.
• Running up the cleared cards again.

よくある質問

関連ツール