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Debt Analysis Calculator


Consolidating your non-tax deductable debt into a tax deductable mortgage can significantly reduce your annual debt expense. This calculator will show you your blended debt rate and the average annual interest paid for all debt you currently carry.

Step 1: Contact Information

 
First Name:
Last Name:
Phone:
Fax:
Email:

Step 2: Select your tax bracket

Tax
Bracket
SingleHead of
Household
Married
Joint
Married
Seperate
10%0000
15% 9,225 13,151 18,451 9,225
25% 37,451 50,201 74,901 37,451
28% 90,751 129,601 151,201 75,601
33% 189,301 209,851 230,451 115,226
35% 411,501 411,501 411,501 205,751
39.6% 413,201 439,001 464,850 232,426

Step 3: Enter your current household debt

Include
in Refi?
Account Name$ BalanceMonthly
Payment
Rate %Tax
Deductible?
After Tax
Rate
Annual
Interest
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00
0.000% $0.00

Step 4: Enter your refinance requirements

 
Loan Program:
Interest Rate:
Term in Years:
Interest Only?
Requested Cash Back:
New Loan Amount:$0.00
Monthly Payment:$0.00

Summary

CurrentProposedSavings
Total Household Debt:$0.00$0.00
Blended Debt Rate:0.000%0.000%0.00%
Monthly Debt Payments:$0.00$0.00$0.00
Annual Interest Payments:$0.00$0.00$0.00
    

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Customer Feedback

  • Buying a home can be stressful. It is a huge commitment and your largest monthly obligation. I entrusted Heather at First Capital Group to go through this journey with me. I call it a journey, because I first reached out to Heather almost two years ago and my credit was less than stellar and Heather helped me to improve my credit, did not push me into something before I was ready, and was always optimistic about me being able to achieve my goal to become a home owner. Of course, with such a big decision, I shopped around with different lenders when my credit improved. Nobody was able to beat the customer service that Heather offers. She does an amazing job keeping you up to date on the process and on top of that, she was able to get a better interest rate than any of the other lenders. Heather's assistant Kim is also very pleasant and stays on top of the paperwork and answers any questions if Heather is unavailable. Together, they don't skip a beat! Heather is very caring and committed to making the home buying process rewarding for her client. I recommend her to anyone looking to purchase a home and will forever be grateful for her services!

    Thank You,

    Cecily

    ~ Cecily Jaimez