About the The Loan and Payment Calculator Menu section

I am building these free online interactive worksheets to help you to forecast the net-consequences of your borrowing decisions -- before you make them -- so you can act in your own best interest instead of in the lenders' best interests.

And what sets these calculators apart from the others you will find online, is that the ones I create actually include the trade-offs (opportunity costs) of borrowing money.

For example, several of the borrowing-related calculators include a field for entering your REAL Hourly Wage which is used to calculate how much time you will need to spend at work in order to pay the interest cost of the loan.

How's that for different? And that's just the tip of the opportunity cost iceberg.

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