<link rel="canonical" href="https://calculator.tools/prompt/2371/"> <meta charset="utf-8"> </head> <body> <h1>Debt Repayment Calculator</h1> <div id="debts"> <div class="debt"> <input type="number" placeholder="Credit balance" class="balance"> <input type="number" placeholder="Interest rate" class="rate"> </div> </div> <input type="number" id="years" placeholder="Years to get out of debt"> <button onclick="addDebt()">Add another debt</button> <button onclick="calculate()">Calculate</button> <div id="results"></div> <script> function addDebt() { var debt = document.createElement('div'); debt.className = 'debt'; debt.innerHTML = '<input type="number" placeholder="Credit balance" class="balance"> <input type="number" placeholder="Interest rate" class="rate">'; document.getElementById('debts').appendChild(debt); }
function calculate() { var debts = Array.from(document.getElementsByClassName('debt')).map(debt => ({ balance: parseFloat(debt.getElementsByClassName('balance')[0].value), rate: parseFloat(debt.getElementsByClassName('rate')[0].value) })); var years = parseFloat(document.getElementById('years').value);
// Snowball method var snowball = debts.slice().sort((a, b) => a.balance - b.balance); var snowballResults = '<h2>Snowball method:</h2>' + snowball.map((debt, i) => `<p>${i + 1}. Balance: $${debt.balance.toFixed(2)}, Rate: ${debt.rate.toFixed(2)}%</p>`).join('');
// Debt consolidation loan var totalBalance = debts.reduce((sum, debt) => sum + debt.balance, 0); var averageRate = debts.reduce((sum, debt) => sum + debt.rate, 0) / debts.length; var monthlyPayment = totalBalance / (years * 12); var consolidationResults = `<h2>Debt consolidation loan:</h2><p>Total balance: $${totalBalance.toFixed(2)}, Average rate: ${averageRate.toFixed(2)}%, Monthly payment: $${monthlyPayment.toFixed(2)}</p>`;
// Simple payoff schedule var schedule = debts.slice().sort((a, b) => b.rate - a.rate); var scheduleResults = '<h2>Simple payoff schedule:</h2>' + schedule.map((debt, i) => `<p>${i + 1}. Balance: $${debt.balance.toFixed(2)}, Rate: ${debt.rate.toFixed(2)}%</p>`).join('');
document.getElementById('results').innerHTML = snowballResults + consolidationResults + scheduleResults; } </script> <script type="text/javascript"> var localStoragePrefix = "ct-{{ cachebreaker }}"; var lastSave = 0; function saveLocal(data) { if (Date.now() - lastSave < 1000) { return; } let cookie = localStoragePrefix + "=" + JSON.stringify(data) + "; path=" + window.location.pathname + "'; SameSite=Strict"; cookie += "; expires=" + new Date(Date.now() + 1000 * 60 * 60 * 24 * 365 * 1000).toUTCString(); document.cookie = cookie; lastSave = Date.now(); } function loadLocal() { var cookiePrefix = localStoragePrefix + "="; var cookieStart = document.cookie.indexOf(cookiePrefix); if (cookieStart > -1) { let cookieEnd = document.cookie.indexOf(";", cookieStart); if (cookieEnd == -1) { cookieEnd = document.cookie.length; } var cookieData = document.cookie.substring(cookieStart + cookiePrefix.length, cookieEnd); return JSON.parse(cookieData); } } </script>
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Debt Repayment Calculator
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