ÿþ<HTML> <HEAD> <TITLE>Credit Card Pay off</TITLE> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=iso8859-1"> <META NAME="description" CONTENT="Financial Calculators, ©1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net"> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <!-- Financial Calculators, ©1998-2008 KJE Computer Solutions, LLC. 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For more information please see: <A HREF="http://www.dinkytown.net">http://www.dinkytown.net</A> --> <H1>Credit Card Pay off</H1><P>Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals. <P> <CENTER> <!--[if IE]><object name="calculator" classid="clsid:8AD9C840-044E-11D1-B3E9-00805F499D93" codebase="http://java.sun.com/update/1.6.0/jinstall-6-windows-i586.cab#Version=1,4,0,0" height="380" width="565"><param name="code" value="PayoffCC" /><param name="archive" value="dinkytown.jar" /> <P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]--><![if !IE]><P style="font-size:1px; color: #ffffff" line-height: 1px><![endif]></P><![if !IE]><APPLET name="calculator" code="PayoffCC.class" align="baseline" WIDTH="565" HEIGHT="380" archive="dinkytown.jar"><![endif]> <PARAM name="CURRENT_BALANCE" value="2000"> <PARAM name="MONTHLY_CHARGES" value="100"> <PARAM name="CURRENT_MONTHLY_PAYMENT" value="125"> <PARAM name="ANNUAL_FEE" value="35"> <PARAM name="INTEREST_RATE" value="17.5"> <PARAM name="MONTHS_TO_PAYOFF_GOAL" value="24"> <PARAM name="DRAW_ONE" value="0"> <PARAM name="MONTHS_FROM_NOW_ONE" value="0"> <PARAM name="DRAW_TWO" value="0"> <PARAM name="MONTHS_FROM_NOW_TWO" value="0"> <!--CUSTOM PARAMETERS--> <PARAM name="TEXT_FOR_REPORT" value="<HTML> <HEAD> <TITLE>Credit Card Pay off</TITLE> <META HTTP-EQUIV='Content-Type' CONTENT='text/html; charset=iso8859-1'> <META NAME='description' CONTENT='Financial Calculators, &QCPQ;1998-2010 KJE Computer Solutions, LLC. For more information please see http://www.dinkytown.net'> <STYLE> <!-- BODY, TABLE, TD, TH, UL, OL, DD, DL, P, BR { font-family: helvetica, arial, sans-serif; font-size: 10pt; } H1 { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } DT { font-family: helvetica, arial, sans-serif; font-size: 10pt; font-weight: bold; } P.footer { font-family: helvetica, arial, sans-serif; font-size: 9pt; } DIV.large { font-family: helvetica, arial, sans-serif; font-size: 13pt; font-weight: bold; } --> </STYLE> </HEAD> <BODY bgcolor='#FFFFFF' LINK='#003399' VLINK='#666666' BGCOLOR='#FFFFFF'> <CENTER><table border=0 bgcolor='#000000' width=468 cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFDD' border=0 width=468 cellspacing=1 cellpadding=5><tr><td width='100%' align=center valign=middle><DIV class=large>What will it take to pay off my credit card balance?</DIV></td></tr></table></TD></TR></TABLE></CENTER> <H1>CALCULATED_MONTHLY_PAYMENT per month could pay off your credit card in MONTHS_TO_PAYOFF_GOAL months.</H1>**GRAPH**<P>To pay off your credit card balance of CURRENT_BALANCE in MONTHS_TO_PAYOFF_GOAL months you need to pay CALCULATED_MONTHLY_PAYMENT per month based on the information you entered. This includes your additional monthly purchases of MONTHLY_CHARGES and your major purchases. This assumes no additional charges such as late fees. If you keep your monthly payment at CURRENT_MONTHLY_PAYMENT it will take CURRENT_MONTHLY_MSG to pay off this credit card. <P><CENTER><table border=0 bgcolor='#000000' width=95% cellspacing=1 cellpadding=0><tr><td width='100%'><table bgcolor='#FFFFFF' border=0 width=100% cellspacing=1 cellpadding=5> <TR BGCOLOR='#CCCCCC'><TD COLSPAN=2><CENTER><B>Results Summary</B></CENTER></TD></TR> <TR><TD><b>Current balance </b> </TD><TD>CURRENT_BALANCE </TD></TR> <TR><TD><b>Planned additional monthly charges </b> </TD><TD valign=top>MONTHLY_CHARGES </TD></TR> <TR><TD><b>Major purchase 1 </b> </TD><TD>DRAW_ONE in MONTHS_FROM_NOW_ONE month(s)</TD></TR> <TR><TD><b>Major purchase 2 </b> </TD><TD>DRAW_TWO in MONTHS_FROM_NOW_TWO month(s)</TD></TR> <TR><TD><b>Annual fee </b> </TD><TD>ANNUAL_FEE </TD></TR> <TR><TD><b>Interest rate (APR) </b> </TD><TD>INTEREST_RATE </TD></TR> <!--<TR><TD COLSPAN=2><b><CENTER>Payment required to meet goal of MONTHS_TO_PAYOFF_GOAL months is CALCULATED_MONTHLY_PAYMENT.</CENTER></B></TD></TR> <TR><TD COLSPAN=2><b><CENTER>Keeping your monthly payment at CURRENT_MONTHLY_PAYMENT will take CURRENT_MONTHLY_MSG.</CENTER></B></TD></TR>--> </TABLE></TD></TR></TABLE></CENTER> <P><DIV class=large>Payment schedule with your current payment of CURRENT_MONTHLY_PAYMENT</DIV> <HR SIZE=1> **REPEATING GROUP** <BR> <HR SIZE=1> <CENTER><P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment 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. </P></CENTER><br><br> </BODY> </HTML> "> <H1><CENTER>This Financial Calculator requires SUN's Java"! Plug-in. If you see this message you will need to download SUN's Java"! Plug-in. This can be done automatically by clicking the yellow bar at the top of your browser and choosing  Install ActiveX Control . </CENTER></H1> <OL> You can also get SUN's Java"! Plug-in here: <A href="http://www.java.com/en/download/download_the_latest.jsp" target=_blank><b>Get the Java"! Plug-in!</b></A> <P>For more information about this Plug-in please visit: <A href="http://www.dinkytown.net/money/sunjvm.html" target=_blank><b>SUN's Java"! Plug-in</b></A> <BR>For more information these financial calculators please visit: <A href="http://www.dinkytown.net" target=_blank><b>Financial Calculators from KJE Computer Solutions, LLC</b></A> </OL><!--[if IE]></OBJECT><![endif]--><![if !IE]></APPLET><![endif]> </CENTER><CENTER><SCRIPT>document.write(showbuttons())</SCRIPT> </CENTER> <H1>Definitions</H1><P><TABLE align='center' WIDTH="95%"><TR><TD><DL><!--DEFN_START--> <DT><B>Current balance</B><DD>Current outstanding balance on your credit card.<P> <DT><B>Pay off goal (in months)</B><DD>Your goal for paying off this credit card. This is the number of months by which you would like to have completely paid off this credit card balance.<P> <DT><B>Current monthly payment</B><DD>The amount you are currently paying per month on this credit card. Please enter the amount you actually pay, not the minimum payment. This amount is used to calculate how long it will take you to pay off your balance.<P> <DT><B>Planned additional monthly charges</B><DD>Total new charges you expect to put on this credit card per month.<P> <DT><B>Interest rate (APR)</B><DD>The annual percentage interest rate being charged for this credit card.<P> <DT><B>Annual fee</B><DD>Your annual fee for this credit card, if any.<P> <DT><B>Major purchase</B><DD>If you expect a major purchase beyond your normal charges, enter the amount to be spent here.<P> <DT><B>Months from now</B><DD>Number of months before your major purchase will occur. <!--DEFN_END--></DL></TD></TR></TABLE> <BR> <HR SIZE=1> <CENTER> <P class=footer> Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment 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. </P></CENTER> <BR> </BODY> </HTML>