// multi-utility computation suite · offline · instant · precise
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finance.debt-tax-drag Calculator
Calculates the annual tax drag on personal debt management returns from the effective tax rate applied to income, dividends, and capital gains. Tax drag is the return reduction from taxes on investment income — a 30% tax rate on 7% gross returns reduces the net return to approximately 4.9%.
Inputs
Balance
Reference formula or conversion factor shown for context.
Rate
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
Payment
Reference formula or conversion factor shown for context.
Results
months to payoff
Number of monthly payments needed to clear the balance at the given payment amount.
total paid
Sum of all payments made — principal plus all interest. Subtract the loan amount to see the pure interest cost.
interest cost
The total monetary cost computed for the given inputs.