{"id":727,"date":"2026-08-17T10:18:52","date_gmt":"2026-08-17T10:18:52","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=727"},"modified":"2026-08-17T10:19:35","modified_gmt":"2026-08-17T10:19:35","slug":"debt-consolidation-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/debt-consolidation-calculator-australia\/","title":{"rendered":"Debt Consolidation Calculator Australia"},"content":{"rendered":"<div id=\"dcaus-calculator\">\r\n\r\n  <div class=\"dcaus-container\">\r\n\r\n    <div class=\"dcaus-hero\">\r\n      <div class=\"dcaus-badge\">AUSTRALIA DEBT CALCULATOR<\/div>\r\n\r\n      <h2>Debt Consolidation Calculator Australia<\/h2>\r\n\r\n      <p>\r\n        Compare your existing debts with a consolidated loan and estimate\r\n        your monthly payment, total interest and potential savings.\r\n      <\/p>\r\n    <\/div>\r\n\r\n\r\n    <div class=\"dcaus-main\">\r\n\r\n      <!-- =========================\r\n           EXISTING DEBTS\r\n      ========================== -->\r\n\r\n      <div class=\"dcaus-card\">\r\n\r\n        <h3>Your Existing Debts<\/h3>\r\n\r\n        <p class=\"dcaus-help\">\r\n          Enter the debts you are considering consolidating.\r\n        <\/p>\r\n\r\n\r\n        <div class=\"dcaus-debt\">\r\n\r\n          <div class=\"dcaus-debt-title\">\r\n            <strong>Debt 1<\/strong>\r\n            <span>Credit Card<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Debt Balance<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-balance1\"\r\n                value=\"5000\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Interest Rate<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-rate1\"\r\n                value=\"20\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n              <span>%<\/span>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Monthly Payment<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-payment1\"\r\n                value=\"200\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-debt\">\r\n\r\n          <div class=\"dcaus-debt-title\">\r\n            <strong>Debt 2<\/strong>\r\n            <span>Personal Loan<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Debt Balance<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-balance2\"\r\n                value=\"10000\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Interest Rate<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-rate2\"\r\n                value=\"12\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n              <span>%<\/span>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Monthly Payment<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-payment2\"\r\n                value=\"300\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-debt\">\r\n\r\n          <div class=\"dcaus-debt-title\">\r\n            <strong>Debt 3<\/strong>\r\n            <span>Car Loan<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Debt Balance<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-balance3\"\r\n                value=\"15000\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Interest Rate<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-rate3\"\r\n                value=\"9\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n              <span>%<\/span>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Monthly Payment<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-payment3\"\r\n                value=\"350\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-debt dcaus-optional\">\r\n\r\n          <div class=\"dcaus-debt-title\">\r\n            <strong>Debt 4<\/strong>\r\n            <span>Optional<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Debt Balance<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-balance4\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Interest Rate<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-rate4\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n              <span>%<\/span>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Monthly Payment<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-payment4\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-debt dcaus-optional\">\r\n\r\n          <div class=\"dcaus-debt-title\">\r\n            <strong>Debt 5<\/strong>\r\n            <span>Optional<\/span>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Debt Balance<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-balance5\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Interest Rate<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-rate5\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n              <span>%<\/span>\r\n            <\/div>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-field\">\r\n            <label>Monthly Payment<\/label>\r\n\r\n            <div class=\"dcaus-input\">\r\n              <span>$<\/span>\r\n              <input\r\n                type=\"number\"\r\n                id=\"dcaus-payment5\"\r\n                value=\"0\"\r\n                min=\"0\"\r\n                step=\"0.01\"\r\n              >\r\n            <\/div>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <h3 class=\"dcaus-new-title\">\r\n          New Consolidation Loan\r\n        <\/h3>\r\n\r\n\r\n        <div class=\"dcaus-field\">\r\n\r\n          <label>\r\n            Consolidation Interest Rate\r\n          <\/label>\r\n\r\n          <div class=\"dcaus-input\">\r\n            <input\r\n              type=\"number\"\r\n              id=\"dcaus-new-rate\"\r\n              value=\"8\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n            <span>% p.a.<\/span>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-field\">\r\n\r\n          <label>\r\n            Loan Term\r\n          <\/label>\r\n\r\n          <select id=\"dcaus-term\">\r\n\r\n            <option value=\"36\">3 years<\/option>\r\n            <option value=\"48\">4 years<\/option>\r\n            <option value=\"60\" selected>5 years<\/option>\r\n            <option value=\"72\">6 years<\/option>\r\n            <option value=\"84\">7 years<\/option>\r\n            <option value=\"120\">10 years<\/option>\r\n\r\n          <\/select>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-field\">\r\n\r\n          <label>\r\n            Consolidation Fee\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"dcaus-input\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"dcaus-fee\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"dcaus-calculate\"\r\n        >\r\n          Calculate Consolidation\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"dcaus-reset\"\r\n          class=\"dcaus-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- =========================\r\n           RESULTS\r\n      ========================== -->\r\n\r\n      <div class=\"dcaus-results\">\r\n\r\n        <div\r\n          id=\"dcaus-error\"\r\n          class=\"dcaus-error\"\r\n        ><\/div>\r\n\r\n\r\n        <div class=\"dcaus-result-banner\">\r\n\r\n          <div>\r\n            <span>ESTIMATED MONTHLY PAYMENT<\/span>\r\n\r\n            <strong id=\"dcaus-new-payment\">\r\n              $0\r\n            <\/strong>\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-banner-right\">\r\n\r\n            <span>LOAN TERM<\/span>\r\n\r\n            <strong id=\"dcaus-term-result\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-stat-grid\">\r\n\r\n          <div class=\"dcaus-stat\">\r\n\r\n            <span>Current Monthly Payments<\/span>\r\n\r\n            <strong id=\"dcaus-current-monthly\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dcaus-stat\">\r\n\r\n            <span>Monthly Payment Change<\/span>\r\n\r\n            <strong id=\"dcaus-monthly-saving\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dcaus-stat\">\r\n\r\n            <span>Current Debt<\/span>\r\n\r\n            <strong id=\"dcaus-current-debt\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dcaus-stat\">\r\n\r\n            <span>New Loan Amount<\/span>\r\n\r\n            <strong id=\"dcaus-new-total\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-comparison\">\r\n\r\n          <h3>Current Debt vs Consolidation<\/h3>\r\n\r\n          <div class=\"dcaus-compare-grid\">\r\n\r\n            <div class=\"dcaus-compare-card\">\r\n\r\n              <span>Existing Debts<\/span>\r\n\r\n              <strong id=\"dcaus-old-interest\">\r\n                $0\r\n              <\/strong>\r\n\r\n              <small>\r\n                Estimated remaining interest\r\n              <\/small>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dcaus-arrow\">\r\n              \u2192\r\n            <\/div>\r\n\r\n\r\n            <div class=\"dcaus-compare-card dcaus-highlight\">\r\n\r\n              <span>Consolidated Loan<\/span>\r\n\r\n              <strong id=\"dcaus-new-interest\">\r\n                $0\r\n              <\/strong>\r\n\r\n              <small>\r\n                Estimated interest\r\n              <\/small>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>\r\n              Potential Interest Saving\r\n            <\/strong>\r\n\r\n            <small>\r\n              Based on the assumptions entered above\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n          <span id=\"dcaus-interest-saving\">\r\n            $0\r\n          <\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-section\">\r\n\r\n          <div class=\"dcaus-section-heading\">\r\n\r\n            <h3>\r\n              Consolidation Summary\r\n            <\/h3>\r\n\r\n            <p>\r\n              Compare the estimated cost of your current debts with the\r\n              proposed consolidated loan.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dcaus-summary-grid\">\r\n\r\n            <div>\r\n              <span>Current Total Payments<\/span>\r\n              <strong id=\"dcaus-old-total\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div>\r\n              <span>New Total Payments<\/span>\r\n              <strong id=\"dcaus-new-total-paid\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div>\r\n              <span>Current Interest<\/span>\r\n              <strong id=\"dcaus-old-interest2\">$0<\/strong>\r\n            <\/div>\r\n\r\n            <div>\r\n              <span>New Interest + Fee<\/span>\r\n              <strong id=\"dcaus-new-interest2\">$0<\/strong>\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-section\">\r\n\r\n          <div class=\"dcaus-section-heading\">\r\n\r\n            <h3>\r\n              Debt Interest Comparison\r\n            <\/h3>\r\n\r\n          <\/div>\r\n\r\n          <div class=\"dcaus-chart\">\r\n\r\n            <canvas id=\"dcaus-chart-canvas\"><\/canvas>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-section\">\r\n\r\n          <div class=\"dcaus-section-heading\">\r\n\r\n            <h3>\r\n              Consolidated Loan Amortisation Schedule\r\n            <\/h3>\r\n\r\n            <p>\r\n              Estimated monthly payment, interest, principal and remaining balance.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"dcaus-table-wrap\">\r\n\r\n            <table class=\"dcaus-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Month<\/th>\r\n                  <th>Payment<\/th>\r\n                  <th>Interest<\/th>\r\n                  <th>Principal<\/th>\r\n                  <th>Remaining Balance<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n              <tbody id=\"dcaus-schedule\"><\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"dcaus-disclaimer\">\r\n\r\n          <strong>Important:<\/strong>\r\n\r\n          This calculator provides estimates for educational purposes only.\r\n          Actual debt consolidation costs may differ because lenders may\r\n          charge application fees, establishment fees, ongoing fees,\r\n          early repayment costs, different interest calculations or other\r\n          charges. Consolidating debt may also extend the repayment period\r\n          even when the monthly payment is lower. Compare the total cost,\r\n          not only the monthly payment, before making a financial decision.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- =========================\r\n         SEO CONTENT\r\n    ========================== -->\r\n\r\n    <div class=\"dcaus-content\">\r\n\r\n      <h3>\r\n        How to Use the Debt Consolidation Calculator Australia\r\n      <\/h3>\r\n\r\n      <p>\r\n        Enter your existing debts, balances, interest rates and monthly\r\n        payments. Then enter the proposed interest rate and term for a\r\n        consolidation loan. The calculator estimates your new monthly\r\n        repayment and compares the estimated interest and total repayment\r\n        costs with your existing debts.\r\n      <\/p>\r\n\r\n\r\n      <h3>\r\n        What Is Debt Consolidation?\r\n      <\/h3>\r\n\r\n      <p>\r\n        Debt consolidation involves combining multiple debts into one\r\n        repayment, usually through a new loan or financial product.\r\n        Depending on the interest rate, fees and repayment term, combining\r\n        debts may simplify repayments or potentially reduce interest costs.\r\n        However, a lower monthly repayment can sometimes result in a higher\r\n        total cost if the new loan has a longer term.\r\n      <\/p>\r\n\r\n\r\n      <h3>\r\n        Is Debt Consolidation Worth It?\r\n      <\/h3>\r\n\r\n      <p>\r\n        Debt consolidation may be worth considering when the new loan has\r\n        a suitable interest rate and the total cost, including fees, is\r\n        lower than the cost of the existing debts. It is important to\r\n        compare both the monthly repayment and total amount paid over the\r\n        complete loan term.\r\n      <\/p>\r\n\r\n\r\n      <h3>\r\n        What Should You Compare?\r\n      <\/h3>\r\n\r\n      <p>\r\n        When comparing consolidation options, consider the interest rate,\r\n        comparison rate where applicable, establishment and ongoing fees,\r\n        loan term, total repayment amount, early repayment conditions and\r\n        whether secured or unsecured lending is involved. A lower monthly\r\n        payment does not automatically mean a cheaper loan.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n#dcaus-calculator {\r\n\r\n  --dc-primary:#7C3AED;\r\n  --dc-primary-dark:#6D28D9;\r\n  --dc-primary-light:#F3E8FF;\r\n\r\n  --dc-text:#111827;\r\n  --dc-muted:#6B7280;\r\n  --dc-border:#E5E7EB;\r\n  --dc-bg:#F8FAFC;\r\n\r\n  --dc-green:#15803D;\r\n  --dc-green-bg:#F0FDF4;\r\n\r\n  --dc-red:#B91C1C;\r\n  --dc-red-bg:#FEF2F2;\r\n\r\n  max-width:1100px;\r\n\r\n  margin:30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color:var(--dc-text);\r\n\r\n  line-height:1.5;\r\n}\r\n\r\n\r\n#dcaus-calculator *,\r\n#dcaus-calculator *::before,\r\n#dcaus-calculator *::after {\r\n\r\n  box-sizing:border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.dcaus-hero {\r\n\r\n  text-align:center;\r\n\r\n  margin-bottom:25px;\r\n\r\n}\r\n\r\n\r\n.dcaus-badge {\r\n\r\n  display:inline-block;\r\n\r\n  padding:6px 12px;\r\n\r\n  border-radius:50px;\r\n\r\n  background:var(--dc-primary-light);\r\n\r\n  color:var(--dc-primary-dark);\r\n\r\n  font-size:11px;\r\n\r\n  font-weight:800;\r\n\r\n  letter-spacing:.5px;\r\n\r\n  margin-bottom:10px;\r\n\r\n}\r\n\r\n\r\n.dcaus-hero h2 {\r\n\r\n  margin:0 0 10px;\r\n\r\n  font-size:32px;\r\n\r\n  line-height:1.2;\r\n\r\n}\r\n\r\n\r\n.dcaus-hero p {\r\n\r\n  max-width:750px;\r\n\r\n  margin:auto;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.dcaus-main {\r\n\r\n  display:grid;\r\n\r\n  grid-template-columns:350px 1fr;\r\n\r\n  gap:22px;\r\n\r\n  align-items:start;\r\n\r\n}\r\n\r\n\r\n\/* INPUT CARD *\/\r\n\r\n.dcaus-card {\r\n\r\n  background:#fff;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:14px;\r\n\r\n  padding:22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px rgba(0,0,0,.05);\r\n\r\n  position:sticky;\r\n\r\n  top:20px;\r\n\r\n}\r\n\r\n\r\n.dcaus-card h3 {\r\n\r\n  margin:0 0 7px;\r\n\r\n  font-size:20px;\r\n\r\n}\r\n\r\n\r\n.dcaus-help {\r\n\r\n  margin:0 0 18px;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-debt {\r\n\r\n  padding:15px;\r\n\r\n  margin-bottom:12px;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:10px;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n.dcaus-debt-title {\r\n\r\n  display:flex;\r\n\r\n  justify-content:space-between;\r\n\r\n  align-items:center;\r\n\r\n  margin-bottom:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-debt-title strong {\r\n\r\n  font-size:14px;\r\n\r\n}\r\n\r\n\r\n.dcaus-debt-title span {\r\n\r\n  font-size:11px;\r\n\r\n  color:var(--dc-muted);\r\n\r\n}\r\n\r\n\r\n.dcaus-field {\r\n\r\n  margin-bottom:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-field:last-child {\r\n\r\n  margin-bottom:0;\r\n\r\n}\r\n\r\n\r\n.dcaus-field label {\r\n\r\n  display:block;\r\n\r\n  margin-bottom:6px;\r\n\r\n  font-size:12px;\r\n\r\n  font-weight:700;\r\n\r\n}\r\n\r\n\r\n.dcaus-field label small {\r\n\r\n  float:right;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-weight:400;\r\n\r\n}\r\n\r\n\r\n.dcaus-input {\r\n\r\n  display:flex;\r\n\r\n  align-items:center;\r\n\r\n  height:44px;\r\n\r\n  border:1px solid #D1D5DB;\r\n\r\n  border-radius:8px;\r\n\r\n  overflow:hidden;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n.dcaus-input:focus-within {\r\n\r\n  border-color:var(--dc-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.dcaus-input span {\r\n\r\n  padding:0 10px;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-input input {\r\n\r\n  width:100%;\r\n\r\n  height:100%;\r\n\r\n  border:0;\r\n\r\n  outline:0;\r\n\r\n  padding:0 8px;\r\n\r\n  font-size:14px;\r\n\r\n  background:transparent;\r\n\r\n}\r\n\r\n\r\n.dcaus-field select {\r\n\r\n  width:100%;\r\n\r\n  height:44px;\r\n\r\n  border:1px solid #D1D5DB;\r\n\r\n  border-radius:8px;\r\n\r\n  padding:0 10px;\r\n\r\n  font-size:14px;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n.dcaus-field select:focus {\r\n\r\n  outline:none;\r\n\r\n  border-color:var(--dc-primary);\r\n\r\n}\r\n\r\n\r\n.dcaus-new-title {\r\n\r\n  margin-top:24px !important;\r\n\r\n  padding-top:20px;\r\n\r\n  border-top:1px solid var(--dc-border);\r\n\r\n}\r\n\r\n\r\n#dcaus-calculate {\r\n\r\n  width:100%;\r\n\r\n  height:50px;\r\n\r\n  border:0;\r\n\r\n  border-radius:8px;\r\n\r\n  background:var(--dc-primary);\r\n\r\n  color:#fff;\r\n\r\n  font-size:16px;\r\n\r\n  font-weight:800;\r\n\r\n  cursor:pointer;\r\n\r\n}\r\n\r\n\r\n#dcaus-calculate:hover {\r\n\r\n  background:var(--dc-primary-dark);\r\n\r\n}\r\n\r\n\r\n.dcaus-reset {\r\n\r\n  width:100%;\r\n\r\n  height:40px;\r\n\r\n  margin-top:7px;\r\n\r\n  border:0;\r\n\r\n  background:transparent;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  cursor:pointer;\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.dcaus-error {\r\n\r\n  display:none;\r\n\r\n  margin-bottom:16px;\r\n\r\n  padding:13px;\r\n\r\n  border-radius:9px;\r\n\r\n  background:var(--dc-red-bg);\r\n\r\n  color:var(--dc-red);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.dcaus-result-banner {\r\n\r\n  display:flex;\r\n\r\n  justify-content:space-between;\r\n\r\n  gap:15px;\r\n\r\n  padding:23px;\r\n\r\n  border-radius:14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--dc-primary),\r\n      var(--dc-primary-dark)\r\n    );\r\n\r\n  color:#fff;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n\r\n}\r\n\r\n\r\n.dcaus-result-banner span {\r\n\r\n  display:block;\r\n\r\n  font-size:11px;\r\n\r\n  opacity:.8;\r\n\r\n  font-weight:700;\r\n\r\n  margin-bottom:5px;\r\n\r\n}\r\n\r\n\r\n.dcaus-result-banner strong {\r\n\r\n  display:block;\r\n\r\n  font-size:25px;\r\n\r\n}\r\n\r\n\r\n.dcaus-banner-right {\r\n\r\n  text-align:right;\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.dcaus-stat-grid {\r\n\r\n  display:grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap:12px;\r\n\r\n  margin-top:14px;\r\n\r\n}\r\n\r\n\r\n.dcaus-stat {\r\n\r\n  background:#fff;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:10px;\r\n\r\n  padding:17px 9px;\r\n\r\n  text-align:center;\r\n\r\n}\r\n\r\n\r\n.dcaus-stat span {\r\n\r\n  display:block;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:11px;\r\n\r\n  margin-bottom:5px;\r\n\r\n}\r\n\r\n\r\n.dcaus-stat strong {\r\n\r\n  font-size:17px;\r\n\r\n}\r\n\r\n\r\n\/* COMPARISON *\/\r\n\r\n.dcaus-comparison {\r\n\r\n  margin-top:22px;\r\n\r\n}\r\n\r\n\r\n.dcaus-comparison h3 {\r\n\r\n  font-size:20px;\r\n\r\n  margin:0 0 12px;\r\n\r\n}\r\n\r\n\r\n.dcaus-compare-grid {\r\n\r\n  display:grid;\r\n\r\n  grid-template-columns:1fr 40px 1fr;\r\n\r\n  gap:10px;\r\n\r\n  align-items:center;\r\n\r\n}\r\n\r\n\r\n.dcaus-compare-card {\r\n\r\n  padding:20px;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:10px;\r\n\r\n  background:#fff;\r\n\r\n  text-align:center;\r\n\r\n}\r\n\r\n\r\n.dcaus-compare-card span {\r\n\r\n  display:block;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-compare-card strong {\r\n\r\n  display:block;\r\n\r\n  margin:5px 0;\r\n\r\n  font-size:22px;\r\n\r\n}\r\n\r\n\r\n.dcaus-compare-card small {\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:11px;\r\n\r\n}\r\n\r\n\r\n.dcaus-highlight {\r\n\r\n  background:var(--dc-primary-light);\r\n\r\n  border-color:#DDD6FE;\r\n\r\n}\r\n\r\n\r\n.dcaus-highlight strong {\r\n\r\n  color:var(--dc-primary-dark);\r\n\r\n}\r\n\r\n\r\n.dcaus-arrow {\r\n\r\n  text-align:center;\r\n\r\n  color:var(--dc-primary);\r\n\r\n  font-size:25px;\r\n\r\n  font-weight:800;\r\n\r\n}\r\n\r\n\r\n\/* SAVING *\/\r\n\r\n.dcaus-saving-box {\r\n\r\n  display:flex;\r\n\r\n  justify-content:space-between;\r\n\r\n  align-items:center;\r\n\r\n  gap:15px;\r\n\r\n  margin-top:15px;\r\n\r\n  padding:19px;\r\n\r\n  border:1px solid #BBF7D0;\r\n\r\n  border-radius:10px;\r\n\r\n  background:var(--dc-green-bg);\r\n\r\n}\r\n\r\n\r\n.dcaus-saving-box strong {\r\n\r\n  display:block;\r\n\r\n}\r\n\r\n\r\n.dcaus-saving-box small {\r\n\r\n  display:block;\r\n\r\n  margin-top:3px;\r\n\r\n  color:var(--dc-muted);\r\n\r\n}\r\n\r\n\r\n.dcaus-saving-box > span {\r\n\r\n  color:var(--dc-green);\r\n\r\n  font-size:24px;\r\n\r\n  font-weight:800;\r\n\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.dcaus-section {\r\n\r\n  margin-top:26px;\r\n\r\n}\r\n\r\n\r\n.dcaus-section-heading h3 {\r\n\r\n  margin:0 0 5px;\r\n\r\n  font-size:20px;\r\n\r\n}\r\n\r\n\r\n.dcaus-section-heading p {\r\n\r\n  margin:0 0 13px;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.dcaus-summary-grid {\r\n\r\n  display:grid;\r\n\r\n  grid-template-columns:\r\n    repeat(2,1fr);\r\n\r\n  gap:10px;\r\n\r\n}\r\n\r\n\r\n.dcaus-summary-grid > div {\r\n\r\n  padding:15px;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:9px;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n.dcaus-summary-grid span {\r\n\r\n  display:block;\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:12px;\r\n\r\n}\r\n\r\n\r\n.dcaus-summary-grid strong {\r\n\r\n  display:block;\r\n\r\n  margin-top:5px;\r\n\r\n  font-size:18px;\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.dcaus-chart {\r\n\r\n  height:280px;\r\n\r\n  padding:15px;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:10px;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n#dcaus-chart-canvas {\r\n\r\n  width:100%;\r\n\r\n  height:100%;\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.dcaus-table-wrap {\r\n\r\n  overflow-x:auto;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:10px;\r\n\r\n}\r\n\r\n\r\n.dcaus-table {\r\n\r\n  width:100%;\r\n\r\n  border-collapse:collapse;\r\n\r\n  min-width:600px;\r\n\r\n}\r\n\r\n\r\n.dcaus-table th {\r\n\r\n  padding:12px;\r\n\r\n  background:#F9FAFB;\r\n\r\n  font-size:12px;\r\n\r\n  text-align:left;\r\n\r\n}\r\n\r\n\r\n.dcaus-table td {\r\n\r\n  padding:12px;\r\n\r\n  border-top:1px solid var(--dc-border);\r\n\r\n  font-size:13px;\r\n\r\n}\r\n\r\n\r\n.dcaus-table tbody tr:hover {\r\n\r\n  background:#FAF5FF;\r\n\r\n}\r\n\r\n\r\n\/* CONTENT *\/\r\n\r\n.dcaus-content {\r\n\r\n  margin-top:30px;\r\n\r\n  padding:25px;\r\n\r\n  border:1px solid var(--dc-border);\r\n\r\n  border-radius:14px;\r\n\r\n  background:#fff;\r\n\r\n}\r\n\r\n\r\n.dcaus-content h3 {\r\n\r\n  margin:0 0 9px;\r\n\r\n  font-size:21px;\r\n\r\n}\r\n\r\n\r\n.dcaus-content p {\r\n\r\n  margin:0 0 25px;\r\n\r\n  color:#4B5563;\r\n\r\n  font-size:15px;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.dcaus-disclaimer {\r\n\r\n  margin-top:25px;\r\n\r\n  padding-top:18px;\r\n\r\n  border-top:1px solid var(--dc-border);\r\n\r\n  color:var(--dc-muted);\r\n\r\n  font-size:11px;\r\n\r\n  line-height:1.7;\r\n\r\n}\r\n\r\n\r\n\/* MOBILE *\/\r\n\r\n@media(max-width:900px) {\r\n\r\n  .dcaus-main {\r\n\r\n    grid-template-columns:1fr;\r\n\r\n  }\r\n\r\n  .dcaus-card {\r\n\r\n    position:static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .dcaus-stat-grid {\r\n\r\n    grid-template-columns:1fr 1fr;\r\n\r\n  }\r\n\r\n  .dcaus-compare-grid {\r\n\r\n    grid-template-columns:1fr;\r\n\r\n  }\r\n\r\n  .dcaus-arrow {\r\n\r\n    transform:rotate(90deg);\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:500px) {\r\n\r\n  .dcaus-hero h2 {\r\n\r\n    font-size:26px;\r\n\r\n  }\r\n\r\n  .dcaus-stat-grid {\r\n\r\n    grid-template-columns:1fr;\r\n\r\n  }\r\n\r\n  .dcaus-summary-grid {\r\n\r\n    grid-template-columns:1fr;\r\n\r\n  }\r\n\r\n  .dcaus-result-banner {\r\n\r\n    flex-direction:column;\r\n\r\n  }\r\n\r\n  .dcaus-banner-right {\r\n\r\n    text-align:left;\r\n\r\n  }\r\n\r\n  .dcaus-saving-box {\r\n\r\n    flex-direction:column;\r\n\r\n    align-items:flex-start;\r\n\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  function getNumber(id) {\r\n\r\n    var el =\r\n      document.getElementById(id);\r\n\r\n    if (!el) return 0;\r\n\r\n    var value =\r\n      parseFloat(el.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits:2,\r\n          maximumFractionDigits:2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function timeText(months) {\r\n\r\n    if (!months) return \"\u2014\";\r\n\r\n    var years =\r\n      Math.floor(months \/ 12);\r\n\r\n    var remaining =\r\n      months % 12;\r\n\r\n\r\n    if (years === 0) {\r\n\r\n      return months +\r\n        (\r\n          months === 1\r\n            ? \" month\"\r\n            : \" months\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    if (remaining === 0) {\r\n\r\n      return years +\r\n        (\r\n          years === 1\r\n            ? \" year\"\r\n            : \" years\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    return years +\r\n      (\r\n        years === 1\r\n          ? \" year \"\r\n          : \" years \"\r\n      ) +\r\n      remaining +\r\n      (\r\n        remaining === 1\r\n          ? \" month\"\r\n          : \" months\"\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function payoffDate(months) {\r\n\r\n    var date =\r\n      new Date();\r\n\r\n    date.setMonth(\r\n      date.getMonth() + months\r\n    );\r\n\r\n\r\n    return date.toLocaleDateString(\r\n      \"en-AU\",\r\n      {\r\n        month:\"long\",\r\n        year:\"numeric\"\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n\r\n  function loanPayment(\r\n    principal,\r\n    annualRate,\r\n    months\r\n  ) {\r\n\r\n    if (\r\n      principal <= 0 ||\r\n      months <= 0\r\n    ) {\r\n\r\n      return 0;\r\n\r\n    }\r\n\r\n\r\n    var rate =\r\n      annualRate \/ 100 \/ 12;\r\n\r\n\r\n    if (rate === 0) {\r\n\r\n      return principal \/ months;\r\n\r\n    }\r\n\r\n\r\n    return (\r\n\r\n      principal *\r\n      rate *\r\n      Math.pow(\r\n        1 + rate,\r\n        months\r\n      )\r\n\r\n    ) \/ (\r\n\r\n      Math.pow(\r\n        1 + rate,\r\n        months\r\n      ) - 1\r\n\r\n    );\r\n\r\n  }\r\n\r\n\r\n  function calculateLoan(\r\n    principal,\r\n    annualRate,\r\n    payment\r\n  ) {\r\n\r\n    if (\r\n      principal <= 0 ||\r\n      payment <= 0\r\n    ) {\r\n\r\n      return {\r\n        impossible:true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var rate =\r\n      annualRate \/ 100 \/ 12;\r\n\r\n\r\n    var balance =\r\n      principal;\r\n\r\n\r\n    var interestTotal = 0;\r\n\r\n    var months = 0;\r\n\r\n    var schedule = [];\r\n\r\n\r\n    if (rate === 0) {\r\n\r\n      while (\r\n        balance > 0 &&\r\n        months < 1200\r\n      ) {\r\n\r\n        var p =\r\n          Math.min(\r\n            payment,\r\n            balance\r\n          );\r\n\r\n\r\n        balance -= p;\r\n\r\n        months++;\r\n\r\n\r\n        schedule.push({\r\n\r\n          month:months,\r\n\r\n          payment:p,\r\n\r\n          interest:0,\r\n\r\n          principal:p,\r\n\r\n          balance:\r\n            Math.max(\r\n              0,\r\n              balance\r\n            )\r\n\r\n        });\r\n\r\n      }\r\n\r\n\r\n      return {\r\n\r\n        months:months,\r\n\r\n        interest:0,\r\n\r\n        total:principal,\r\n\r\n        schedule:schedule\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var firstInterest =\r\n      balance * rate;\r\n\r\n\r\n    if (\r\n      payment <= firstInterest\r\n    ) {\r\n\r\n      return {\r\n\r\n        impossible:true,\r\n\r\n        firstInterest:firstInterest\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    while (\r\n      balance > 0 &&\r\n      months < 1200\r\n    ) {\r\n\r\n      var interest =\r\n        balance * rate;\r\n\r\n\r\n      var principalPart =\r\n        payment - interest;\r\n\r\n\r\n      if (\r\n        principalPart <= 0\r\n      ) {\r\n\r\n        return {\r\n\r\n          impossible:true,\r\n\r\n          firstInterest:firstInterest\r\n\r\n        };\r\n\r\n      }\r\n\r\n\r\n      var actualPayment =\r\n        payment;\r\n\r\n\r\n      if (\r\n        payment >=\r\n        balance + interest\r\n      ) {\r\n\r\n        actualPayment =\r\n          balance + interest;\r\n\r\n        principalPart =\r\n          balance;\r\n\r\n        balance = 0;\r\n\r\n      } else {\r\n\r\n        balance -=\r\n          principalPart;\r\n\r\n      }\r\n\r\n\r\n      interestTotal +=\r\n        interest;\r\n\r\n      months++;\r\n\r\n\r\n      schedule.push({\r\n\r\n        month:months,\r\n\r\n        payment:\r\n          actualPayment,\r\n\r\n        interest:\r\n          interest,\r\n\r\n        principal:\r\n          principalPart,\r\n\r\n        balance:\r\n          Math.max(\r\n            0,\r\n            balance\r\n          )\r\n\r\n      });\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      months >= 1200\r\n    ) {\r\n\r\n      return {\r\n        impossible:true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months:months,\r\n\r\n      interest:\r\n        interestTotal,\r\n\r\n      total:\r\n        principal +\r\n        interestTotal,\r\n\r\n      schedule:\r\n        schedule\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  function collectDebts() {\r\n\r\n    var debts = [];\r\n\r\n\r\n    for (\r\n      var i = 1;\r\n      i <= 5;\r\n      i++\r\n    ) {\r\n\r\n      var balance =\r\n        getNumber(\r\n          \"dcaus-balance\" + i\r\n        );\r\n\r\n\r\n      var rate =\r\n        getNumber(\r\n          \"dcaus-rate\" + i\r\n        );\r\n\r\n\r\n      var payment =\r\n        getNumber(\r\n          \"dcaus-payment\" + i\r\n        );\r\n\r\n\r\n      if (\r\n        balance > 0\r\n      ) {\r\n\r\n        debts.push({\r\n\r\n          balance:balance,\r\n\r\n          rate:Math.max(\r\n            0,\r\n            rate\r\n          ),\r\n\r\n          payment:Math.max(\r\n            0,\r\n            payment\r\n          )\r\n\r\n        });\r\n\r\n      }\r\n\r\n    }\r\n\r\n\r\n    return debts;\r\n\r\n  }\r\n\r\n\r\n  function existingDebtAnalysis(\r\n    debts\r\n  ) {\r\n\r\n    var totalBalance = 0;\r\n\r\n    var monthlyPayments = 0;\r\n\r\n    var totalInterest = 0;\r\n\r\n    var totalPaid = 0;\r\n\r\n\r\n    debts.forEach(\r\n      function(debt) {\r\n\r\n        totalBalance +=\r\n          debt.balance;\r\n\r\n\r\n        monthlyPayments +=\r\n          debt.payment;\r\n\r\n\r\n        \/*\r\n         * Existing debt analysis:\r\n         * use the supplied monthly payment.\r\n         *\/\r\n\r\n        var result =\r\n          calculateLoan(\r\n            debt.balance,\r\n            debt.rate,\r\n            debt.payment\r\n          );\r\n\r\n\r\n        if (\r\n          result &&\r\n          !result.impossible\r\n        ) {\r\n\r\n          totalInterest +=\r\n            result.interest;\r\n\r\n          totalPaid +=\r\n            result.total;\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    return {\r\n\r\n      balance:totalBalance,\r\n\r\n      monthly:monthlyPayments,\r\n\r\n      interest:totalInterest,\r\n\r\n      total:totalPaid\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  function renderSchedule(\r\n    schedule\r\n  ) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"dcaus-schedule\"\r\n      );\r\n\r\n\r\n    body.innerHTML = \"\";\r\n\r\n\r\n    var rows =\r\n      Math.min(\r\n        schedule.length,\r\n        60\r\n      );\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < rows;\r\n      i++\r\n    ) {\r\n\r\n      var row =\r\n        schedule[i];\r\n\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.month +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.payment) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.interest) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.principal) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.balance) +\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      schedule.length > 60\r\n    ) {\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        '<td colspan=\"5\" style=\"text-align:center;color:#6B7280;\">' +\r\n\r\n        \"Showing the first 60 months of the estimated schedule.\" +\r\n\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  function drawChart(\r\n    oldInterest,\r\n    newInterest\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"dcaus-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas) return;\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\"2d\");\r\n\r\n\r\n    var rect =\r\n      canvas.getBoundingClientRect();\r\n\r\n\r\n    var dpr =\r\n      window.devicePixelRatio || 1;\r\n\r\n\r\n    canvas.width =\r\n      rect.width * dpr;\r\n\r\n\r\n    canvas.height =\r\n      rect.height * dpr;\r\n\r\n\r\n    ctx.scale(\r\n      dpr,\r\n      dpr\r\n    );\r\n\r\n\r\n    var width =\r\n      rect.width;\r\n\r\n\r\n    var height =\r\n      rect.height;\r\n\r\n\r\n    ctx.clearRect(\r\n      0,\r\n      0,\r\n      width,\r\n      height\r\n    );\r\n\r\n\r\n    var max =\r\n      Math.max(\r\n        oldInterest,\r\n        newInterest,\r\n        1\r\n      );\r\n\r\n\r\n    var barWidth =\r\n      Math.min(\r\n        110,\r\n        width \/ 4\r\n      );\r\n\r\n\r\n    var oldHeight =\r\n      (\r\n        oldInterest \/\r\n        max\r\n      ) *\r\n      (\r\n        height - 65\r\n      );\r\n\r\n\r\n    var newHeight =\r\n      (\r\n        newInterest \/\r\n        max\r\n      ) *\r\n      (\r\n        height - 65\r\n      );\r\n\r\n\r\n    var oldX =\r\n      width \/ 2 -\r\n      barWidth -\r\n      15;\r\n\r\n\r\n    var newX =\r\n      width \/ 2 +\r\n      15;\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#9CA3AF\";\r\n\r\n\r\n    ctx.fillRect(\r\n\r\n      oldX,\r\n\r\n      height -\r\n      35 -\r\n      oldHeight,\r\n\r\n      barWidth,\r\n\r\n      oldHeight\r\n\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#7C3AED\";\r\n\r\n\r\n    ctx.fillRect(\r\n\r\n      newX,\r\n\r\n      height -\r\n      35 -\r\n      newHeight,\r\n\r\n      barWidth,\r\n\r\n      newHeight\r\n\r\n    );\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"#374151\";\r\n\r\n\r\n    ctx.font =\r\n      \"12px Arial\";\r\n\r\n\r\n    ctx.textAlign =\r\n      \"center\";\r\n\r\n\r\n    ctx.fillText(\r\n\r\n      \"Existing\",\r\n\r\n      oldX +\r\n      barWidth \/ 2,\r\n\r\n      height -\r\n      15\r\n\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n\r\n      \"Consolidated\",\r\n\r\n      newX +\r\n      barWidth \/ 2,\r\n\r\n      height -\r\n      15\r\n\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n\r\n      money(oldInterest),\r\n\r\n      oldX +\r\n      barWidth \/ 2,\r\n\r\n      height -\r\n      45 -\r\n      oldHeight\r\n\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n\r\n      money(newInterest),\r\n\r\n      newX +\r\n      barWidth \/ 2,\r\n\r\n      height -\r\n      45 -\r\n      newHeight\r\n\r\n    );\r\n\r\n  }\r\n\r\n\r\n  function calculate() {\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"dcaus-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    var debts =\r\n      collectDebts();\r\n\r\n\r\n    if (\r\n      debts.length === 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter at least one existing debt.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var old =\r\n      existingDebtAnalysis(\r\n        debts\r\n      );\r\n\r\n\r\n    if (\r\n      old.monthly <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a monthly payment for at least one existing debt.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var rate =\r\n      getNumber(\r\n        \"dcaus-new-rate\"\r\n      );\r\n\r\n\r\n    var months =\r\n      getNumber(\r\n        \"dcaus-term\"\r\n      );\r\n\r\n\r\n    var fee =\r\n      Math.max(\r\n        0,\r\n        getNumber(\r\n          \"dcaus-fee\"\r\n        )\r\n      );\r\n\r\n\r\n    if (\r\n      rate < 0 ||\r\n      months <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter valid consolidation loan details.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var newPrincipal =\r\n      old.balance +\r\n      fee;\r\n\r\n\r\n    var payment =\r\n      loanPayment(\r\n        newPrincipal,\r\n        rate,\r\n        months\r\n      );\r\n\r\n\r\n    var newInterest =\r\n      payment *\r\n      months -\r\n      newPrincipal;\r\n\r\n\r\n    var newTotal =\r\n      payment *\r\n      months;\r\n\r\n\r\n    var oldInterest =\r\n      old.interest;\r\n\r\n\r\n    var interestSaving =\r\n      oldInterest -\r\n      newInterest;\r\n\r\n\r\n    var monthlyDifference =\r\n      old.monthly -\r\n      payment;\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-payment\"\r\n    ).textContent =\r\n      money(payment);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-term-result\"\r\n    ).textContent =\r\n      timeText(months);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-current-monthly\"\r\n    ).textContent =\r\n      money(old.monthly);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-monthly-saving\"\r\n    ).textContent =\r\n      (\r\n        monthlyDifference >= 0\r\n          ? \"Save \"\r\n          : \"Increase \"\r\n      ) +\r\n      money(\r\n        Math.abs(\r\n          monthlyDifference\r\n        )\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-current-debt\"\r\n    ).textContent =\r\n      money(old.balance);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-total\"\r\n    ).textContent =\r\n      money(newPrincipal);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-old-interest\"\r\n    ).textContent =\r\n      money(oldInterest);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-interest\"\r\n    ).textContent =\r\n      money(newInterest);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-interest-saving\"\r\n    ).textContent =\r\n      money(\r\n        Math.max(\r\n          0,\r\n          interestSaving\r\n        )\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-old-total\"\r\n    ).textContent =\r\n      money(old.total);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-total-paid\"\r\n    ).textContent =\r\n      money(newTotal);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-old-interest2\"\r\n    ).textContent =\r\n      money(oldInterest);\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-interest2\"\r\n    ).textContent =\r\n      money(\r\n        newInterest +\r\n        fee\r\n      );\r\n\r\n\r\n    var newLoan =\r\n      calculateLoan(\r\n        newPrincipal,\r\n        rate,\r\n        payment\r\n      );\r\n\r\n\r\n    if (\r\n      newLoan &&\r\n      !newLoan.impossible\r\n    ) {\r\n\r\n      renderSchedule(\r\n        newLoan.schedule\r\n      );\r\n\r\n    }\r\n\r\n\r\n    drawChart(\r\n      oldInterest,\r\n      newInterest\r\n    );\r\n\r\n  }\r\n\r\n\r\n  function reset() {\r\n\r\n    document.getElementById(\r\n      \"dcaus-balance1\"\r\n    ).value = \"5000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-rate1\"\r\n    ).value = \"20\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-payment1\"\r\n    ).value = \"200\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-balance2\"\r\n    ).value = \"10000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-rate2\"\r\n    ).value = \"12\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-payment2\"\r\n    ).value = \"300\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-balance3\"\r\n    ).value = \"15000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-rate3\"\r\n    ).value = \"9\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-payment3\"\r\n    ).value = \"350\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-balance4\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-rate4\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-payment4\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-balance5\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-rate5\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-payment5\"\r\n    ).value = \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-new-rate\"\r\n    ).value = \"8\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-term\"\r\n    ).value = \"60\";\r\n\r\n\r\n    document.getElementById(\r\n      \"dcaus-fee\"\r\n    ).value = \"0\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  document.getElementById(\r\n    \"dcaus-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"dcaus-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    reset\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#dcaus-calculator input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  calculate();\r\n\r\n\r\n  window.addEventListener(\r\n    \"resize\",\r\n    function() {\r\n\r\n      calculate();\r\n\r\n    }\r\n  );\r\n\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The Debt Consolidation Calculator Australia is a free online tool that helps you compare multiple existing debts with a potential consolidated loan. Enter your outstanding balances, interest rates and current monthly repayments for credit cards, personal loans, car loans or other debts, then add the proposed consolidation loan rate, term and any applicable fees. The calculator estimates your new monthly repayment, total interest, total repayment and potential savings compared with your existing debts. It also shows how the consolidation loan may affect your monthly cash flow and provides an estimated amortisation schedule. Debt consolidation can make repayments easier to manage, but a lower monthly repayment does not necessarily mean a lower overall cost. A longer loan term or additional fees can increase the total amount paid. Use this calculator as an educational comparison tool and check the lender&#8217;s actual interest rate, comparison rate, fees and loan terms before making a decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Debt Consolidation Calculator Australia is a free online tool that helps you compare multiple existing debts with a potential [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-727","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"The Debt Consolidation Calculator Australia is a free online tool that helps you compare multiple existing debts with a potential [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=727"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/727\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}