Would you like to the experience the freedom to choose your work based on how much joy and self-fulfillment it brings you?
Are you fed up with being a slave to your creditors while they rake in all of your once discretionary income in the form of finance charges and late payment penalties?
Are you tired of having to forego quality time with your family in order to pay your bills?
If your answer is "yes" to any of the foregoing questions, and you're tired of being forced to take thankless, stressful jobs -- because your financial obligations demand it -- then I encourage you to make full use of the debt calculators and their built-in lessons in this section.
They are, as one visitor recently called them, a financial freedom treasure chest!
What sets my debt calculators apart from the others you will find online, is that calculators attempt to teach you how to achieve financial freedom -- while still doing all the tedious number crunching for you.
But be forewarned, some of the calculated results may cause irreparable damage to your rose-colored glasses.
Below is the current list of debt freedom and education tools you can use for creating a brighter future. Be sure to check back often for the latest additions.
Debt to Income Ratio
Do you know your debt to income ratio (DTI)? You should. It's how you track your progress to financial freedom. Use this tool often to calculate your personal DTI ratio, a.k.a., your telltale "fiscal" vital sign.
Invest in Your Debt
This cool financial tool will help you to answer the age-old question: Should I pay off debt, or should I invest? It also includes the secret as to why no one is trying to sell you on paying off your debt.
Debt Payment Calculator
This cool free to use calculator will help you to calculate how much of your current debt payment is going to be applied your balance owed, and how much is going to kept by your lender. If you're not keeping track, you should be!
Debt Pay Off Calculator
This free online calculator will calculate the monthly payment required to pay off a given debt within the length of time you specify. Plus, it will also compute how much interest you will save (earn!) by paying the debt off early.
Debt Pay Down Calculator
This free online calculator will calculate the interest savings that will occur if you apply a one-time amount to paying down a given debt, and offers a unique idea on where you might drum up the additional cash.
Free Rapid Debt Reduction Calculator
This free online calculator will calculate an amazing plan for paying off your debts in a very short amount of time, while saving you a mountain of finance charges in the process. Includes the answer to What is the rollover method? and reveals the little known single biggest reason why most people fail to complete their rollover payoff plan to insure your plan won't be its next victim.
Consolidate Debt Calculator
This interactive tool will calculate your real debt consolidation loan consequences as opposed to what the lender might be telling you, plus present you with a list of debt consolidation pros and cons.
Calculate Cost of Debt
This interactive tool will calculate the cost of a debt in terms of the interest you could be earning on the interest charges you are paying. As you will see, the interest charges you are paying on your debts is only the tip of the "cost of debt" iceberg!
Get Out Of Debt Calculator with 60 Booster Rockets
This comprehensive online calculator not only calculates the amazing time and interest savings from paying off your debts using the rollover method (instead of the "bend over" method), but also gives you 60 ways to jet propel the process.
Financial Freedom Calculator: Next Step After Debt Freedom
This calculator will calculate how long it will take to become financially free after becoming debt-free. The idea behind this calculator is that once you manage to pay off all of your debts, including your mortgage, you will then be able to start investing the total of your freed-up debt payments, plus any additional funds you were applying to your debt repayment plan.
The following is a list of calculators that I plan to add to this section as I have time. I'm basically adding debt, payoff, payment and ratio calculators to free-online-calculator-use.com in the order from highest demand to lowest demand, so if you see a calculator in the following list you want me to put on the high priority list, please let me know.
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