Plan debt payoff, consolidation, refinancing, and borrowing decisions with interest cost and break-even context.
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25
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Cards show what the calculator decides, the inputs it needs, and where the result should lead next.
Calculator library
Estimate a main-street business value using seller discretionary earnings, multiple range, owner replacement salary, working-capital adjustment, debt capacity, seller note, and buyer cash-at-close assumptions.
Decides
SDE | valuation range | working-capital adjusted value
Model the real cost of settling a collections account after forgiven-debt tax, settlement fees, cash reserves, payment-plan alternatives, and the cash shortfall before making an offer.
Decides
all-in settlement cost | cash shortfall | net savings after tax
Test whether financed equipment pays for itself after down payment, loan terms, fees, Section 179 tax value, incremental revenue, operating costs, DSCR, payback, and replacement reserve needs.
Decides
monthly payment | equipment DSCR | net monthly cash flow
Estimate the real first-year cost of a new hire after salary, payroll tax, benefits, recruiting, equipment, ramp time, expected revenue, gross margin, cash runway, and break-even months.
Decides
first-year cash cost | monthly loaded cost | net monthly contribution
Decide where your next dollar should go: starter emergency fund, employer 401(k) match, high-interest debt, full emergency fund, or investing.
Decides
Next-dollar priority | Starter buffer gap | Match left on table
Estimate a RAP payment scenario, compare it with clearly labeled generic and legacy-plan references, check PSLF fit, and identify the next paperwork step.
Decides
RAP payment estimate | generic and legacy references | PSLF fit
Estimate a fee-inclusive consolidation-loan payment and rate comparison without claiming unknown current-debt savings.
Decides
Winning option | Dollar difference | Break-even point
Compare a fixed-rate term-loan scenario with MCA total repayment and a clearly labeled simple annualized factor cost that is not APR.
Decides
Winning option | Dollar difference | Break-even point
Compare a current loan with an entered private-refinance quote, including fees, lifetime cost, and federal-protection warnings.
Decides
Winning option | Dollar difference | Break-even point
Estimate payment, interest, origination fee, net proceeds, and all-in cost for a fixed-rate personal loan.
Decides
Monthly payment | Total interest | Payoff timing
Estimate fixed-payment student-loan payoff with zero-rate, non-amortizing, and final-payment safeguards.
Decides
Monthly payment | Total interest | Payoff timing
Illustrate first-target interest differences between highest-rate-first and smaller-balance-first strategies.
Decides
Winning option | Dollar difference | Break-even point
Compare an existing personal loan with a new refinance offer after rate, term, and fees.
Decides
Winning option | Dollar difference | Break-even point
Assign every dollar of income to bills, goals, debt, and flexible spending.
Decides
Required monthly amount | Projected gap | Target date
Compare fixed-payment loan scenarios with and without a user-entered autopay discount.
Decides
Winning option | Dollar difference | Break-even point
Compare two user-entered APR scenarios on the same loan to estimate the signed payment and interest difference; the result does not predict a lender offer.
Decides
Winning option | Dollar difference | Break-even point
Estimate payoff time for a single blended balance and APR, including a check for payments that do not cover first-month interest.
Decides
Required monthly amount | Projected gap | Target date
Create a simplified fee-spreading comparison while distinguishing it from the regulatory Truth in Lending APR.
Decides
Winning option | Dollar difference | Break-even point
Compare two fixed-rate loan offers using entered contractual rates, terms, and lender fees with a signed all-in cost difference.
Decides
Winning option | Dollar difference | Break-even point
Estimate monthly card-processing cost from a blended rate, per-transaction charge, and recurring provider fee.
Decides
Required monthly amount | Projected gap | Target date
Estimate fixed-payment Parent PLUS payoff time with a check for payments that do not cover first-month interest.
Decides
Monthly payment | Total interest | Payoff timing
Annualize an entered short-term loan fee and compare it with a user-entered alternative APR over the same period.
Decides
Monthly payment | Total interest | Payoff timing
Estimate principal-and-interest payments for a fixed-rate, fully amortizing loan with no fees or payment changes.
Decides
Monthly payment | Total interest | Payoff timing
Estimate days sales outstanding from a point-in-time receivables balance and annual credit sales to monitor collection speed and cash-flow risk.
Decides
Required monthly amount | Projected gap | Target date
Estimate an SBA 7(a)-style payment and apply a user-entered effective guaranty-fee percentage to the total loan.
Decides
Monthly payment | Total interest | Payoff timing
Compare two entered fixed-rate loan scenarios while keeping collateral risk and fees outside the payment math explicit.
Decides
Winning option | Dollar difference | Break-even point