following FREE mortgage and credit card calculators and guides
to help you manage your money and your credit.
- Credit Card and Mortgage Payoff Calculator
Almost everyone carries some amount of consumer debt if only a mortgage
and more and more of us carry credit-card debt. Carrying debt means
paying interest sometimes an appalling amount of it. This utility, PayEmOff,
helps you devise a strategy for getting out of debt efficiently by minimizing
the amount of interest you pay. By paying off high-interest cards first,
you can save a significant amount of money; PayEmOff shows you exactly
how much. In addition to analyzing your credit card debt, PayEmOff includes
separate calculators for analyzing your mortgage and investments. These
calculators can instantly show you the effect of changing the interest
rate, payment amount, or number of months for investment or until payoff.
And since dealing with debt is always stressful, you can configure the
program to use whatever background images, colors, and fonts you find
By Neil J. Rubenking
July 17, 2000
- Credit Card Math Guide!
Credit Card Math is a well-written electronic guide that teaches consumers
about hidden credit-card costs and offers detailed techniques for reducing
interest payments. Nine chapters of text, tables, and charts--some of
which are interactive--graphically compare and illustrate the effect
of interest, minimum payments, charges, skipped payments, and additional
payments on debt and its actual cost. The package includes surprising
comparisons of declining payment methods and straight amortization methods.
It's freeware but includes a brief, unintrusive advertisement for the
author's debt-reduction software. This system includes a vast amount
of money-saving information that every consumer should know.
Calculator with Amortization Schedule