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Personal Debt Consolidation Calculator

Will consolidating my debt into a new loan be beneficial?

Puede que sea bueno consolidar la deuda de algunas de sus tarjetas de crédito y otras deudas personales en un nuevo préstamo consolidado, generalmente un préstamo con garantía hipotecaria. Los préstamos de consolidación pueden reducir su pago mensual obligatorio, ya que generalmente se amortizan en 10 o 15 años. Utilice esta calculadora de consolidación de deuda para determinar qué tan rápidamente puede salir de las deudas y cuánto podría ahorrar en intereses.

Información para consolidación de préstamos

Información de deuda actual

SaldoPago mensualTasa anual
(0% a 40%)
Tarjeta de crédito 1 ($)
Tarjeta de crédito 2 ($)
Tarjeta de crédito 3 ($)
Tarjeta de crédito 4 ($)
Préstamo para automóvil 1 ($)
Préstamo para automóvil 2 ($)
Préstamo para embarcación/vehículo de recreo ($)
Otro préstamo 1 ($)
Otro préstamo 2 ($)
Otro préstamo 3 ($)

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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."

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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.

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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.

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Money Help Center

Esta información puede ayudarle a analizar sus necesidades financieras. Se basa en información y suposiciones suministradas por usted con relación a sus metas, expectativas y situación financiera. Los cálculos no infieren que la compañía sume cualquier obligación fiduciaria Los cálculos suministrados no deberían considerarse asesoría financiera, legal o tributaria. Además, no debería basarse en dicha información como única fuente de información. La información es suministrada de fuentes que consideramos confiables pero no podemos garantizar su precisión. Las ilustraciones hipotéticas pueden suministrar información de desempeño histórico y actual. El desempeño pasado no garantiza ni indica resultados futuros.

Con el respaldo de CalcXML Calculadoras para sitios web