Web Winder Website Calculators: Free Calculators: Debt Investment Calculator

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Installation Instructions: Debt Investment Calculator

Terms of Use: You may install this Debt Investment Calculator on your site for free, so long as my copyright info remains embedded in the code and the link back to my website is visible on the page you install the calculator on. You will find a link to the installation page located just beneath the calculator on this page.
If you would like to purchase a license for the latest commercial grade (professional) version of this calculator, please visit our Commercial Calculator Center.
If you would simply like to use an upgraded version of this calculator for your own personal use, I invite you to try our ever-growing collection of consumer-oriented calculators on our free online calculator use website for consumer decision making, discovery, and learning.

Below are the instructions for installing the Debt Investment Calculator on your website:

Step #1: Select and copy the script from the following text box, then paste between the <HEAD> and </HEAD> tags of the page you are installing the calculator on.

//DO NOT REMOVE THIS COPYWRITE INFO!
//Debt Investment Calculator
//By Daniel C. Peterson
//Web Winder Website Services, 1997-2024  All Rights Reserved.
//Distribution, editing or reselling of this script is strictyly prohibited
//without expressed written permission from Daniel C. Peterson.
//For commercial grade (professional) versions of this and many other
//calculators, visit http://www.webwinder.com.

function sn(num) {

num=num.toString();

var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

for(i = 0; i <= len; i++) {

b = num.substring(i,i+1);

if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b ==

"9" || b == ".") {
         rnum = rnum + "" + b;

}

if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

rnum = Number(rnum);

return rnum;

}

function fc(num, places, comma) {

var isNeg=0;

if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = eval(myPlaces) + eval(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

if(places > 0) {
      decimal = "." + decimal;
   }

if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}

finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

if(isNeg == 1) {
       finNum = "-" + finNum;
    }

return finNum;
}

function computeForm(form) {

if(form.principal.value.length == 0 || form.principal.value == "0") {
      alert("Please enter a principal amount.");
      form.principal.focus();
   } else
   if(form.interest.value.length == 0 || form.interest.value == "0") {
      alert("Please enter debt's annual interest rate as a percentage.");
      form.interest.focus();
   } else
   if(form.origPmt.value.length == 0 || form.origPmt.value == "0") {
      alert("Please enter the current monthly payment amount.");
      form.origPmt.focus();
   } else
   if(form.pmtAdd.value.length == 0 || form.pmtAdd.value == "0") {
      alert("Please enter an amount to add to your current monthly payment.");
      form.pmtAdd.focus();
   } else {

var i = sn(form.interest.value);

if (i >= 1.0) {

i = i / 100.0;

}

i /= 12;

var prin1 = sn(form.principal.value);

var prin2 = sn(form.principal.value);

var pmt1 = sn(form.origPmt.value);

if(prin1 * i > pmt1) {
      alert("The terms you entered on not valid (monthly interest charge is greater than monthly payment amount). Please either reduce the principal, reduce the interest rate, increase the payment amount, or a combination of all three.");
      form.principal.focus();

} else {

var pmt1 = sn(form.origPmt.value);
   var v_pmt_add = sn(form.pmtAdd.value);
   var pmt2 = eval(pmt1) + eval(v_pmt_add);

var prinPort1 = 0;
   var prinPort2 = 0;

var intPort1 = 0;
   var intPort2 = 0;

var count1 = 0;
   var count2 = 0;

while(prin2 > 0) {
                    intPort2 = eval(i * prin2);
                    accumInt2 = eval(accumInt2) + eval(intPort2);
                    prinPort2 = eval(pmt2 - intPort2);
                    prin2 = eval(prin2 - prinPort2);
                    count2 = count2 + 1
                    if(count2 > 600) { break; } else { continue;}
                    }

var v_intSave = eval(accumInt1) - eval(accumInt2);

form.intSave.value = fc(v_intSave,2,1);
      var v_roi = (v_intSave / (count2 * v_pmt_add)) / (count2 / 12);
      form.roi.value = fc(v_roi * 100,2,0);

var timSave = eval(count1) - eval(count2);

form.results.value = ("If you add $" + v_pmt_add + " to your monthly payment, you will pay off this debt in " + count2 + " payments instead of " + count1 + ", and you will save $" + fc(v_intSave,2,1) + " in interest charges.  This savings translates into a guaranteed, tax-free, average annual return of " + fc(v_roi * 100,2,0) + "%.  And that's not even considering the emotional returns you'll get when you pay off this debt " + timSave + "-months (" + parseInt(timSave /12,10) + " years, " + (timSave %12) + " months) ahead of schedule!");

}
  }
}

function clear_results(form) {

form.intSave.value = "";

form.roi.value = "";

form.results.value = "";

}

function clearForm(form)

{

form.principal.value = "";

form.interest.value = "";

form.origPmt.value = "";

form.pmtAdd.value = "";

form.intSave.value = "";

form.roi.value = "";

form.results.value = "";
}

</script>

Step #2: Select and copy the following HTML form code, then paste in the desired location between the <BODY> and </BODY> tags of the page you are installing the calculator on.

<form method="POST">
<table BORDER="1" CELLSPACING="0" CELLPADDING="4">

<tr>
<td align="center" COLSPAN="6">
<font face='arial'><big><strong>Debt Investment Calculator</strong></big></font>
</td>
</tr>

<tr>
<td COLSPAN="6">
<font face='arial'><small>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 <u>guaranteed</u> 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.</small></font>
<p><font face='tahoma,arial'><small><strong> Instructions: </strong></small><font> <font face='arial'><small>Enter the current payment terms for any one of your outstanding debts,
then enter an amount you could comfortably add to the payment. Finally, click on
"Compute" to see what the return on your investment will be.</small></font>
</td>
</tr>

<tr>
<td align="center"><font face='tahoma,arial'><small><strong>Principal<br>Balance<br>Owed</strong></small><font></td>
<td align="center"><font face='tahoma,arial'><small><strong>Annual<br>Interest<br>Rate</strong></small><font></td>
<td align="center"><font face='tahoma,arial'><small><strong>Current<br>Monthly<br>Payment</strong></small><font></td>
<td align="center"><font face='tahoma,arial'><small><strong>Additional<br>Monthly<br>Payment</strong></small><font></td>
<td align="center"><font face='tahoma,arial'><small><strong>Interest<br>Savings</strong></small><font></td>
<td align="center"><font face='tahoma,arial'><small><strong>Annual<br>Return on<br>Investment</strong></small><font></td>
</tr>

<tr>
<td align="center">$<input TYPE="TEXT" NAME="principal" SIZE="9" onKeyUp="clear_results(this.form)"></td>
<td align="center"><input TYPE="TEXT" NAME="interest" SIZE="9" onKeyUp="clear_results(this.form)">%</td>
<td align="center">$<input TYPE="TEXT" NAME="origPmt" SIZE="6" onKeyUp="clear_results(this.form)"></td>
<td align="center">$<input TYPE="TEXT" NAME="pmtAdd" SIZE="5" onKeyUp="clear_results(this.form)"></td>
<td align="center">$<input TYPE="TEXT" NAME="intSave" SIZE="9" readonly></td>
<td align="center"><input TYPE="TEXT" NAME="roi" SIZE="9" readonly>%</td>
</TR>
<TR>
<td COLSPAN="3" ALIGN="RIGHT"><input TYPE="button" VALUE="Compute" onClick="computeForm(this.form)"></td>
<td COLSPAN="3" ALIGN="LEFT"><input TYPE="reset" VALUE="Reset" onClick="clearForm(this.form)"></td>
</tr>
<tr>
<td align="center" COLSPAN="6"><textarea COLS="60" ROWS="7" name="results" wrap="virtual"></textarea></td>
</tr>

<tr>
<td align="center" COLSPAN="6"><font face='tahoma,arial'><small><small>Copyright © 1997-2024<i> <a href='http://www.webwinder.com'>Web Winder Site Traffic Magnets</a></i>. All rights reserved.</small></small></font></td>
</tr>
</table>
</form>

Step #3: Edit the form HTML to match the look and feel of your site, then save and upload the page to your server and you're done!

**Please note that we do not provide support or installation help for the free versions of our calculators. We do provide support and installation help for our professional versions.

Home > Free Site Traffic Magnets > Free Calculators > Debt Investment Calculator Installation

Contact: Dan Peterson
P.O. Box 11
Bemidji, MN 56619
(218) 243-2263