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Financial Calculators ©1998-2023 KJE Computer Solutions, Inc.
New low interest card: |
Check this box to include a new credit card in the optimization. This allows you to transfer your existing balances to a new low interest card and see the results.
The annual percentage rate you will pay on the new credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional rate that is only fixed for a short period of time.
The total amount of credit you have for the new credit card.
Existing credit card #1 | Monthly Payment: $0 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Existing credit card #2 | Monthly Payment: $0 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Existing credit card #3 | Monthly Payment: $0 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Existing credit card #4 | Monthly Payment: $0 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Existing credit card #5 | Monthly Payment: $0 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Total interest savings KJE1 |
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is your initial minimum monthly payment. We calculate your minimum monthly payment as 4% of your current outstanding balance or $15 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
Check this box to include a new credit card in the optimization. This allows you to transfer your existing balances to a new low interest card and see the results.
The total amount of credit you have for the new credit card.
The annual percentage rate you will pay on the new credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional rate that is only fixed for a short period of time.
© Spectra Credit Union
Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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