Debt Investment

Before you go throwing darts on Wall Street, check to make sure you can't earn a higher rate of return simply by investing in your own debt! For example, if you have a credit card balance that's costing you 19% per year, and you increase your payment, you will get a guaranteed 19% return on your investment. What's more, your earnings will be tax-free! So use this JavaScript Calculator to see how much you could be earning if you increased your payment on any one of your debts.


NOTE: Be sure to enter "0" (zero) in any entry boxes that don't apply to you. Also be sure that only numbers and decimal points are entered into the fields (dollar signs and other non-numeric characters will cause a JavaScript error).








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  Tax Estimator

  Loan Amortization
  Loan Comparison
  Missing Loan Term
  Debt  Consolidation

  Portfolio Mix
  Compounding Interval
  Single Future Value
  Periodic Future Value
  Savings Time
  Savings Goal
  Lump Sum Savings
  Retirement Savings
  IRA Distributions
  College Funding

  Mortgage Qualification
  Bi-Weekly Mortgage
  Mortgage Refinancing
  Payoff Goal
  Rent vs. Buy

  Net Worth
  Cash Flow
  Expense Percentage
  Wage Conversion
  Irregular Payments
  Credit Card Payment
  Debt Investment
  Average Interest Rate
  Real Hourly Wage
  Lifetime Earnings
  Generic Savings
  Car Cost Comparison
  Transportation Savings


Enter the principal balance owed:


Enter the annual interest rate:
Enter the current monthly payment  amount:
Enter a monthly amount to add to the current


Current Payoff Term (Months):
Revised Payoff Term (Months):
Time Saved (Months):
Current Interest Cost:
Revised Interest Cost:
Total interest savings (Return on investment):
Guaranteed Annual Rate of Return:




Copyright 1998-2001 Daniel C. Peterson, All Rights Reserved