{"id":12469,"date":"2026-06-27T19:40:36","date_gmt":"2026-06-27T13:40:36","guid":{"rendered":"https:\/\/skyaddons.com\/elementor\/?page_id=12469"},"modified":"2026-08-12T18:35:52","modified_gmt":"2026-08-12T12:35:52","slug":"calculator-widget","status":"publish","type":"page","link":"https:\/\/skyaddons.com\/elementor\/calculator-widget\/","title":{"rendered":"Advanced Calculator Widget"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12469\" class=\"elementor elementor-12469\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df4e5f7 e-flex e-con-boxed e-con e-parent\" data-id=\"df4e5f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9401715 e-con-full e-flex e-con e-child\" data-id=\"9401715\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86f5823 elementor-widget elementor-widget-heading\" data-id=\"86f5823\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">PLAINSUM<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d2ee52 elementor-widget elementor-widget-heading\" data-id=\"2d2ee52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Numbers you can check yourself<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83260fa elementor-widget elementor-widget-text-editor\" data-id=\"83260fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A small independent site of free calculators. No signup, no email capture, and the assumptions behind every answer written underneath it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a6ec8f sa-btnfx-active sa-btnfx-dir--bottom sa-btnfx-ring-on sa-btnfx-ring-state--retract e-transform sa-btnfx--sweep sa-btnfx-ring--solid elementor-widget elementor-widget-button\" data-id=\"1a6ec8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-3,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all calculators<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9519a9 e-con-full e-flex e-con e-child\" data-id=\"c9519a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee6a336 elementor-widget elementor-widget-heading\" data-id=\"ee6a336\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">COMPOUND IT<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c67f4c3 elementor-widget elementor-widget-sky-calculator\" data-id=\"c67f4c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-c67f4c3\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-c67f4c3&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;future_value&quot;,&quot;formula&quot;:&quot;principal * POWER(1 + rate \\\/ 100, years)&quot;,&quot;label&quot;:&quot;Future Value&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:true,&quot;primary&quot;:true,&quot;id&quot;:&quot;&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c67f4c3-1\">Initial Amount<\/label><input type=\"number\" id=\"c67f4c3-1\" data-key=\"principal\" value=\"5000\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c67f4c3-2\">Annual Rate (%)<\/label><input type=\"number\" id=\"c67f4c3-2\" data-key=\"rate\" value=\"7\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c67f4c3-3\">Years<\/label><input type=\"number\" id=\"c67f4c3-3\" data-key=\"years\" value=\"10\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check the values and try again.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Future Value<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"future_value\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3ea347 e-flex e-con-boxed e-con e-parent\" data-id=\"f3ea347\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f177853 e-flex e-con-boxed e-con e-child\" data-id=\"f177853\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-79a6715 e-flex e-con-boxed e-con e-child\" data-id=\"79a6715\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b21c0c elementor-widget elementor-widget-heading\" data-id=\"3b21c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">RUNNING COSTS<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55c0c7d elementor-widget elementor-widget-heading\" data-id=\"55c0c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What a trip actually costs in fuel<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f07ce35 e-flex e-con-boxed e-con e-child\" data-id=\"f07ce35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5f5b72 elementor-widget elementor-widget-text-editor\" data-id=\"c5f5b72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Distance, consumption and the price at the pump. Worth doing before you agree a delivery rate, or when somebody argues the train is dearer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a96736 e-flex e-con-boxed e-con e-child\" data-id=\"1a96736\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bb5855e e-flex e-con-boxed e-con e-child\" data-id=\"bb5855e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-497ce1a elementor-widget elementor-widget-image\" data-id=\"497ce1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-gustavo-fring-4173094.jpg\" class=\"attachment-full size-full wp-image-12536\" alt=\"\" srcset=\"https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-gustavo-fring-4173094.jpg 1280w, https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-gustavo-fring-4173094-300x200.jpg 300w, https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-gustavo-fring-4173094-1024x682.jpg 1024w, https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-gustavo-fring-4173094-768x512.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-903a748 e-flex e-con-boxed e-con e-child\" data-id=\"903a748\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-685589c sa-backdrop-filter-yes elementor-widget elementor-widget-sky-calculator\" data-id=\"685589c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-685589c\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-685589c&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;cost&quot;,&quot;formula&quot;:&quot;distance \\\/ 100 * efficiency * price&quot;,&quot;label&quot;:&quot;Trip Cost&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"685589c-1\">Distance (km)<\/label><input type=\"number\" id=\"685589c-1\" data-key=\"distance\" value=\"100\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"685589c-2\">Consumption (L\/100km)<\/label><input type=\"number\" id=\"685589c-2\" data-key=\"efficiency\" value=\"7\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"685589c-3\">Fuel Price (per L)<\/label><input type=\"number\" id=\"685589c-3\" data-key=\"price\" value=\"1.8\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check the values and try again.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Trip Cost<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"cost\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34a21f2 e-flex e-con-boxed e-con e-parent\" data-id=\"34a21f2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b92d504 e-flex e-con-boxed e-con e-child\" data-id=\"b92d504\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d82c7a e-flex e-con-boxed e-con e-child\" data-id=\"1d82c7a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46d2dd8 elementor-widget elementor-widget-heading\" data-id=\"46d2dd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">DEBT<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f712004 elementor-widget elementor-widget-heading\" data-id=\"f712004\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The single rate you are actually paying<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd6f71a e-flex e-con-boxed e-con e-child\" data-id=\"fd6f71a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6867705 elementor-widget elementor-widget-text-editor\" data-id=\"6867705\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It opens empty on purpose. Put in your own six balances and the rate on each, and it returns the blended rate twice, with the mortgage counted and without, because that comparison is what decides whether consolidating helps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-374d14f e-flex e-con-boxed e-con e-child\" data-id=\"374d14f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-485b342 elementor-widget__width-initial elementor-widget elementor-widget-sky-calculator\" data-id=\"485b342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-485b342\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-485b342&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;with_mortgage&quot;,&quot;formula&quot;:&quot;IF((mb+hb+cc1b+cc2b+cc3b+ab)&gt;0, ((mb*(mr\\\/100))+(hb*(hr\\\/100))+(cc1b*(cc1r\\\/100))+(cc2b*(cc2r\\\/100))+(cc3b*(cc3r\\\/100))+(ab*(ar\\\/100))) \\\/ (mb+hb+cc1b+cc2b+cc3b+ab) * 100, 0)&quot;,&quot;label&quot;:&quot;Blended Rate (With Mortgage)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_with_mortgage&quot;},{&quot;key&quot;:&quot;without_mortgage&quot;,&quot;formula&quot;:&quot;IF((hb+cc1b+cc2b+cc3b+ab)&gt;0, ((hb*(hr\\\/100))+(cc1b*(cc1r\\\/100))+(cc2b*(cc2r\\\/100))+(cc3b*(cc3r\\\/100))+(ab*(ar\\\/100))) \\\/ (hb+cc1b+cc2b+cc3b+ab) * 100, 0)&quot;,&quot;label&quot;:&quot;Blended Rate (Without Mortgage)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_without_mortgage&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_1\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-1\">Mortgage Balance ($)<\/label><input type=\"number\" id=\"485b342-1\" data-key=\"mb\" value=\"\" placeholder=\"257000\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_1_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-2\">Mortgage Rate (%)<\/label><input type=\"number\" id=\"485b342-2\" data-key=\"mr\" value=\"\" placeholder=\"3.25\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_2\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-3\">HELOC Balance ($)<\/label><input type=\"number\" id=\"485b342-3\" data-key=\"hb\" value=\"\" placeholder=\"10000\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_2_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-4\">HELOC Rate (%)<\/label><input type=\"number\" id=\"485b342-4\" data-key=\"hr\" value=\"\" placeholder=\"8.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_3\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-5\">Credit Card 1 Balance ($)<\/label><input type=\"number\" id=\"485b342-5\" data-key=\"cc1b\" value=\"\" placeholder=\"6500\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_3_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-6\">Credit Card 1 Rate (%)<\/label><input type=\"number\" id=\"485b342-6\" data-key=\"cc1r\" value=\"\" placeholder=\"29.99\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_4\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-7\">Credit Card 2 Balance ($)<\/label><input type=\"number\" id=\"485b342-7\" data-key=\"cc2b\" value=\"\" placeholder=\"5000\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_4_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-8\">Credit Card 2 Rate (%)<\/label><input type=\"number\" id=\"485b342-8\" data-key=\"cc2r\" value=\"\" placeholder=\"21.99\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_5\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-9\">Credit Card 3 Balance ($)<\/label><input type=\"number\" id=\"485b342-9\" data-key=\"cc3b\" value=\"\" placeholder=\"5000\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_5_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-10\">Credit Card 3 Rate (%)<\/label><input type=\"number\" id=\"485b342-10\" data-key=\"cc3r\" value=\"\" placeholder=\"15.99\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_6\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-11\">Auto Loan Balance ($)<\/label><input type=\"number\" id=\"485b342-11\" data-key=\"ab\" value=\"\" placeholder=\"19000\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-debt_6_r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"485b342-12\">Auto Loan Rate (%)<\/label><input type=\"number\" id=\"485b342-12\" data-key=\"ar\" value=\"\" placeholder=\"4.59\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check your balances and rates.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_with_mortgage\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Blended Rate (With Mortgage)<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"with_mortgage\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_without_mortgage\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Blended Rate (Without Mortgage)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"without_mortgage\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68334c8 sa-grid-canvas-yes sa-gc-mask-yes sa-gc-anim-fade-in e-flex e-con-boxed sa-gc-type-vertical e-con e-parent\" data-id=\"68334c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\"><div class=\"sa-gc-layer\" aria-hidden=\"true\" style=\"position:absolute;inset:0;pointer-events:none;border-radius:inherit\"><\/div>\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-tb0001 e-flex e-con-boxed e-con e-child\" data-id=\"tb0001\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-tb0left e-con-full e-flex e-con e-child\" data-id=\"tb0left\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a0001 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"c1a0001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Debt consolidation<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a063e elementor-widget elementor-widget-heading\" data-id=\"78a063e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bring the numbers, we will do the sums<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87d5bb5 elementor-widget elementor-widget-text-editor\" data-id=\"87d5bb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It opens on a typical set of balances so you can see the shape of the answer before you type anything. Replace them with yours, mail the result to yourself, and take both rates to the appointment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-s7a0001 e-con-full e-flex e-con e-child\" data-id=\"s7a0001\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-st0001 e-con-full e-flex e-con e-child\" data-id=\"st0001\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-st0001n elementor-widget elementor-widget-heading\" data-id=\"st0001n\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">6<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-st0001l elementor-widget elementor-widget-heading\" data-id=\"st0001l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">balances in<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-st0002 e-con-full e-flex e-con e-child\" data-id=\"st0002\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-st0002n elementor-widget elementor-widget-heading\" data-id=\"st0002n\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">3<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-st0002l elementor-widget elementor-widget-heading\" data-id=\"st0002l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">figures out<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-st0003 e-con-full e-flex e-con e-child\" data-id=\"st0003\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-st0003n elementor-widget elementor-widget-heading\" data-id=\"st0003n\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-st0003l elementor-widget elementor-widget-heading\" data-id=\"st0003l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">spreadsheets<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-782c6fe e-flex e-con-boxed e-con e-child\" data-id=\"782c6fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-26a6ffd e-con-full e-flex e-con e-child\" data-id=\"26a6ffd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div data-sa-parallax-img=\"https:\/\/skyaddons.com\/elementor\/wp-content\/uploads\/2026\/07\/pexels-kindelmedia-7578891.jpg\" class=\"elementor-element elementor-element-ph00001 e-con-full e-flex e-con e-child\" data-id=\"ph00001\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sa_prlx_bg_enable&quot;:&quot;yes&quot;,&quot;sa_prlx_bg_media&quot;:&quot;image&quot;,&quot;sa_prlx_bg_type&quot;:&quot;scroll&quot;,&quot;sa_prlx_bg_direction&quot;:&quot;up&quot;,&quot;sa_prlx_bg_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0.5,&quot;sizes&quot;:[]},&quot;sa_prlx_bg_disable_mobile&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ph0001h elementor-widget elementor-widget-heading\" data-id=\"ph0001h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Bring last month&#039;s statements.<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ph0001p elementor-widget elementor-widget-text-editor\" data-id=\"ph0001p\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The worksheet does the rest, before anyone opens a spreadsheet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f7c22 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a1f7c22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Every rate is weighted by the balance behind it<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One figure with the mortgage, one without<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Emailed to you before you close the tab<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-nt00001 e-con-full e-flex e-con e-child\" data-id=\"nt00001\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-nt0001h elementor-widget elementor-widget-heading\" data-id=\"nt0001h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What you need in front of you<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-nt0001p elementor-widget elementor-widget-text-editor\" data-id=\"nt0001p\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The latest statement for each debt, and the rate printed on it. Nothing else \u2014 no credit pull, no login, no account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f85fe7 e-con-full e-flex e-con e-child\" data-id=\"8f85fe7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f18c17 elementor-widget elementor-widget-sky-calculator\" data-id=\"1f18c17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator\" id=\"sa-calculator-1f18c17\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-1f18c17&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;with_mortgage&quot;,&quot;formula&quot;:&quot;IF((mb+hb+cc1b+cc2b+cc3b+ab)&gt;0, ((mb*(mr\\\/100))+(hb*(hr\\\/100))+(cc1b*(cc1r\\\/100))+(cc2b*(cc2r\\\/100))+(cc3b*(cc3r\\\/100))+(ab*(ar\\\/100))) \\\/ (mb+hb+cc1b+cc2b+cc3b+ab) * 100, 0)&quot;,&quot;label&quot;:&quot;Blended rate (with mortgage)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_with&quot;},{&quot;key&quot;:&quot;without_mortgage&quot;,&quot;formula&quot;:&quot;IF((hb+cc1b+cc2b+cc3b+ab)&gt;0, ((hb*(hr\\\/100))+(cc1b*(cc1r\\\/100))+(cc2b*(cc2r\\\/100))+(cc3b*(cc3r\\\/100))+(ab*(ar\\\/100))) \\\/ (hb+cc1b+cc2b+cc3b+ab) * 100, 0)&quot;,&quot;label&quot;:&quot;Without the mortgage&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_without&quot;},{&quot;key&quot;:&quot;total_balance&quot;,&quot;formula&quot;:&quot;(mb+hb+cc1b+cc2b+cc3b+ab)&quot;,&quot;label&quot;:&quot;Total balance carried&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:true,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_total&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d1b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-1\">Mortgage ($)<\/label><input type=\"number\" id=\"1f18c17-1\" data-key=\"mb\" value=\"257000\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d1r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-2\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-2\" data-key=\"mr\" value=\"3.25\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d2b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-3\">HELOC ($)<\/label><input type=\"number\" id=\"1f18c17-3\" data-key=\"hb\" value=\"10000\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d2r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-4\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-4\" data-key=\"hr\" value=\"8.00\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d3b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-5\">Credit card 1 ($)<\/label><input type=\"number\" id=\"1f18c17-5\" data-key=\"cc1b\" value=\"6500\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d3r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-6\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-6\" data-key=\"cc1r\" value=\"29.99\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d4b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-7\">Credit card 2 ($)<\/label><input type=\"number\" id=\"1f18c17-7\" data-key=\"cc2b\" value=\"5000\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d4r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-8\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-8\" data-key=\"cc2r\" value=\"21.99\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d5b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-9\">Credit card 3 ($)<\/label><input type=\"number\" id=\"1f18c17-9\" data-key=\"cc3b\" value=\"5000\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d5r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-10\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-10\" data-key=\"cc3r\" value=\"15.99\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d6b\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-11\">Auto loan ($)<\/label><input type=\"number\" id=\"1f18c17-11\" data-key=\"ab\" value=\"19000\" placeholder=\"0\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-d6r\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"1f18c17-12\">Rate (%)<\/label><input type=\"number\" id=\"1f18c17-12\" data-key=\"ar\" value=\"5.90\" placeholder=\"0.00\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-reset\" type=\"reset\">\n\t\t\t\t\t\tReset\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"sa-calculator-email-trigger\" role=\"button\" tabindex=\"0\"\n\t\t\t\t\t\taria-expanded=\"false\"\n\t\t\t\t\t\taria-label=\"Email my result\"\n\t\t\t\t\t\ttitle=\"Email my result\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-envelope\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M942 383C950 379 958 383 958 392V758C958 804 921 846 871 846H129C83 846 42 808 42 758V396C42 387 50 383 58 387 100 417 150 458 333 592 371 621 433 679 500 675 563 675 629 617 667 592 846 454 900 417 942 383ZM500 617C542 617 600 562 633 542 871 371 888 354 946 312 954 304 958 292 958 279V246C958 200 921 158 871 158H129C79 158 42 196 42 246V279C42 292 46 304 58 312 113 354 129 371 371 542 400 562 458 617 500 617Z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tCheck the balances and rates - one of them is not a number.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_with\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Blended rate (with mortgage)<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"with_mortgage\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_without\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Without the mortgage<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"without_mortgage\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_total\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Total balance carried<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"total_balance\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--email\"\n\t\t\tdata-page=\"12469\"\n\t\t\tdata-widget=\"1f18c17\"\n\t\t\tdata-invalid=\"Please enter a valid email address.\">\n\t\t\t<div class=\"sa-calculator-email-panel sa-hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<label class=\"sa-calculator-label\" for=\"sa-calculator-1f18c17-email\">Email address<\/label>\n\t\t\t\t\t\t\t\t\t\t<input type=\"email\" id=\"sa-calculator-1f18c17-email\" class=\"sa-calculator-input sa-calculator-email-input\" placeholder=\"you@example.com\">\n\t\t\t\t\t\t\t\t<input type=\"text\" class=\"sa-calculator-hp\" name=\"sa_calc_hp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n\t\t\t\t<button type=\"button\" class=\"sa-calculator-button sa-calculator-email-send\">\n\t\t\t\t\t<span class=\"sa-calculator-email-send__label\">Send<\/span>\n\t\t\t\t\t<span class=\"sa-calculator-spinner\" aria-hidden=\"true\"><\/span>\n\t\t\t\t<\/button>\n\t\t\t\t<div class=\"sa-calculator-email-message sa-hidden\" role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-uc00001 e-con-full e-grid e-con e-child\" data-id=\"uc00001\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ub00001 elementor-widget elementor-widget-sky-info-box\" data-id=\"ub00001\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-info-box.default\">\n\t\t\t\t\t\n\t\t<div class=\"sa-info-box\"\n\t\t\t\t\t>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<figure class=\"sa-infobox-figure sa-icon-wrap sa-text-center\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-home\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M280.37 148.26L96 300.11V464a16 16 0 0 0 16 16l112.06-.29a16 16 0 0 0 15.92-16V368a16 16 0 0 1 16-16h64a16 16 0 0 1 16 16v95.64a16 16 0 0 0 16 16.05L464 480a16 16 0 0 0 16-16V300L295.67 148.26a12.19 12.19 0 0 0-15.3 0zM571.6 251.47L488 182.56V44.05a12 12 0 0 0-12-12h-56a12 12 0 0 0-12 12v72.61L318.47 43a48 48 0 0 0-61 0L4.34 251.47a12 12 0 0 0-1.6 16.9l25.5 31A12 12 0 0 0 45.15 301l235.22-193.74a12.19 12.19 0 0 1 15.3 0L530.9 301a12 12 0 0 0 16.9-1.6l25.5-31a12 12 0 0 0-1.7-16.93z\"><\/path><\/svg>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<div class=\"sa-infobox-body\">\n\t\t\t\t<h3 class=\"sa-title sa--title sa--text-title sa-mt-0 sa-fs-4  sa-mb-4\"><a class=\"sa-link sa-current-color\" >On a broker&#039;s landing page<\/a><\/h3><div class=\"sa-desc sa--text sa--text-info sa-fs-6\">Sitting above the booking form, so the first call starts with a number instead of a question.<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ub00002 elementor-widget elementor-widget-sky-info-box\" data-id=\"ub00002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-info-box.default\">\n\t\t\t\t\t\n\t\t<div class=\"sa-info-box\"\n\t\t\t\t\t>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<figure class=\"sa-infobox-figure sa-icon-wrap sa-text-center\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-university\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 128v16a8 8 0 0 1-8 8h-24v12c0 6.627-5.373 12-12 12H60c-6.627 0-12-5.373-12-12v-12H24a8 8 0 0 1-8-8v-16a8 8 0 0 1 4.941-7.392l232-88a7.996 7.996 0 0 1 6.118 0l232 88A8 8 0 0 1 496 128zm-24 304H40c-13.255 0-24 10.745-24 24v16a8 8 0 0 0 8 8h464a8 8 0 0 0 8-8v-16c0-13.255-10.745-24-24-24zM96 192v192H60c-6.627 0-12 5.373-12 12v20h416v-20c0-6.627-5.373-12-12-12h-36V192h-64v192h-64V192h-64v192h-64V192H96z\"><\/path><\/svg>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<div class=\"sa-infobox-body\">\n\t\t\t\t<h3 class=\"sa-title sa--title sa--text-title sa-mt-0 sa-fs-4  sa-mb-4\"><a class=\"sa-link sa-current-color\" >Inside a member portal<\/a><\/h3><div class=\"sa-desc sa--text sa--text-info sa-fs-6\">Behind the login, beside balances the member is already looking at that morning.<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ub00003 elementor-widget elementor-widget-sky-info-box\" data-id=\"ub00003\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-info-box.default\">\n\t\t\t\t\t\n\t\t<div class=\"sa-info-box\"\n\t\t\t\t\t>\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<figure class=\"sa-infobox-figure sa-icon-wrap sa-text-center\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-book-open\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M542.22 32.05c-54.8 3.11-163.72 14.43-230.96 55.59-4.64 2.84-7.27 7.89-7.27 13.17v363.87c0 11.55 12.63 18.85 23.28 13.49 69.18-34.82 169.23-44.32 218.7-46.92 16.89-.89 30.02-14.43 30.02-30.66V62.75c.01-17.71-15.35-31.74-33.77-30.7zM264.73 87.64C197.5 46.48 88.58 35.17 33.78 32.05 15.36 31.01 0 45.04 0 62.75V400.6c0 16.24 13.13 29.78 30.02 30.66 49.49 2.6 149.59 12.11 218.77 46.95 10.62 5.35 23.21-1.94 23.21-13.46V100.63c0-5.29-2.62-10.14-7.27-12.99z\"><\/path><\/svg>\t\t\t\t<\/figure>\n\t\t\t\n\t\t\t<div class=\"sa-infobox-body\">\n\t\t\t\t<h3 class=\"sa-title sa--title sa--text-title sa-mt-0 sa-fs-4  sa-mb-4\"><a class=\"sa-link sa-current-color\" >At the end of a debt guide<\/a><\/h3><div class=\"sa-desc sa--text sa--text-info sa-fs-6\">The article explains why a blended rate matters. This is where the reader tries it on their own numbers.<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9c06e8 e-flex e-con-boxed e-con e-parent\" data-id=\"e9c06e8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d18997 e-con-full e-flex e-con e-child\" data-id=\"3d18997\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce47864 elementor-widget elementor-widget-heading\" data-id=\"ce47864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Paying in every month, for years<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76ac0e7 elementor-widget elementor-widget-text-editor\" data-id=\"76ac0e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Set a contribution, a frequency, a rate you believe in and a number of years. It separates what you put in from what the market added, which is the honest way to look at it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f0b7bb e-con-full e-flex e-con e-child\" data-id=\"9f0b7bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b551ad5 elementor-widget elementor-widget-sky-calculator\" data-id=\"b551ad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-b551ad5\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-b551ad5&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;future_value&quot;,&quot;formula&quot;:&quot;IF((return_rate \\\/ 100 \\\/ freq) &gt; 0, amount * ((POWER(1 + (return_rate \\\/ 100 \\\/ freq), freq * years) - 1) \\\/ (return_rate \\\/ 100 \\\/ freq)) * (1 + (return_rate \\\/ 100 \\\/ freq)), amount * freq * years)&quot;,&quot;label&quot;:&quot;Total Portfolio Value&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_future_value&quot;},{&quot;key&quot;:&quot;total_invested&quot;,&quot;formula&quot;:&quot;amount * freq * years&quot;,&quot;label&quot;:&quot;Total Principal Invested&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_total_invested&quot;},{&quot;key&quot;:&quot;net_profit&quot;,&quot;formula&quot;:&quot;future_value - total_invested&quot;,&quot;label&quot;:&quot;Total Investment Gains&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_net_profit&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-dca_amount\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b551ad5-1\">Recurring Contribution ($)<\/label><input type=\"number\" id=\"b551ad5-1\" data-key=\"amount\" value=\"200\" placeholder=\"Enter contribution\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--select elementor-repeater-item-dca_freq\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b551ad5-2\">Frequency<\/label><select class=\"sa-calculator-select\" id=\"b551ad5-2\" data-key=\"freq\"><option value=\"12\">Monthly<\/option><option value=\"52\">Weekly<\/option><option value=\"26\">Bi-Weekly<\/option><\/select>\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-dca_return\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b551ad5-3\">Expected Annual Return (%)<\/label><input type=\"number\" id=\"b551ad5-3\" data-key=\"return_rate\" value=\"9.00\" placeholder=\"Enter rate\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-dca_years\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b551ad5-4\">Investment Period (Years)<\/label><input type=\"number\" id=\"b551ad5-4\" data-key=\"years\" value=\"5\" placeholder=\"Enter years\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check your allocation amounts.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_future_value\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Total Portfolio Value<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"future_value\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_total_invested\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Total Principal Invested<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"total_invested\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_net_profit\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Total Investment Gains<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"net_profit\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f728404 e-flex e-con-boxed e-con e-parent\" data-id=\"f728404\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sa_scroll_stack_enable&quot;:&quot;yes&quot;,&quot;sa_scroll_stack_top&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;sa_scroll_stack_rotate&quot;:&quot;yes&quot;,&quot;sa_scroll_stack_target&quot;:&quot;children&quot;,&quot;sa_scroll_stack_zindex&quot;:1,&quot;sa_scroll_stack_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:12,&quot;sizes&quot;:[]},&quot;sa_scroll_stack_scale&quot;:&quot;yes&quot;,&quot;sa_scroll_stack_scale_ratio&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;sa_scroll_stack_fade&quot;:&quot;no&quot;,&quot;sa_scroll_stack_rotate_deg&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:4,&quot;sizes&quot;:[]},&quot;sa_scroll_stack_disable_tablet&quot;:&quot;no&quot;,&quot;sa_scroll_stack_disable_mobile&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-22fa6c9 e-con-full e-flex e-con e-child\" data-id=\"22fa6c9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-399912b e-con-full e-flex e-con e-child\" data-id=\"399912b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-627eea9 elementor-widget elementor-widget-button\" data-id=\"627eea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Real Estate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bcd6ac elementor-widget elementor-widget-heading\" data-id=\"8bcd6ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Will the rent cover the mortgage?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cec4069 elementor-widget elementor-widget-text-editor\" data-id=\"cec4069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Rent in, mortgage and running costs out, and the cap rate against the purchase price. If the monthly figure is negative the deal only works if the property gains value.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-375ec8d e-con-full e-flex e-con e-child\" data-id=\"375ec8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99aa3b1 elementor-widget elementor-widget-sky-calculator\" data-id=\"99aa3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-99aa3b1\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-99aa3b1&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;cash_flow&quot;,&quot;formula&quot;:&quot;rent - mortgage - opex&quot;,&quot;label&quot;:&quot;Monthly Net Cash Flow&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot; \\\/mo&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_monthly_cashflow&quot;},{&quot;key&quot;:&quot;cap_rate&quot;,&quot;formula&quot;:&quot;IF(price &gt; 0, ((rent - opex) * 12) \\\/ price * 100, 0)&quot;,&quot;label&quot;:&quot;Capitalization Rate (Cap Rate)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_cap_rate&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-prop_price\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"99aa3b1-1\">Purchase Price ($)<\/label><input type=\"number\" id=\"99aa3b1-1\" data-key=\"price\" value=\"350000\" placeholder=\"Enter purchase price\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-prop_rent\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"99aa3b1-2\">Monthly Rental Income ($)<\/label><input type=\"number\" id=\"99aa3b1-2\" data-key=\"rent\" value=\"2500\" placeholder=\"Enter monthly rent\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-prop_mortgage\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"99aa3b1-3\">Monthly Mortgage Payment ($)<\/label><input type=\"number\" id=\"99aa3b1-3\" data-key=\"mortgage\" value=\"1450\" placeholder=\"Enter mortgage cost\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-prop_opex\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"99aa3b1-4\">Monthly Expenses (Taxes\/Ins) ($)<\/label><input type=\"number\" id=\"99aa3b1-4\" data-key=\"opex\" value=\"450\" placeholder=\"Enter operating cost\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please verify property price metrics.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_monthly_cashflow\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Monthly Net Cash Flow<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"cash_flow\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_cap_rate\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Capitalization Rate (Cap Rate)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"cap_rate\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c8590a e-con-full e-flex e-con e-child\" data-id=\"1c8590a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2806495 e-con-full e-flex e-con e-child\" data-id=\"2806495\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35239da elementor-widget elementor-widget-button\" data-id=\"35239da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SaaS Business<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-161a361 elementor-widget elementor-widget-heading\" data-id=\"161a361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much a customer is worth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea52d00 elementor-widget elementor-widget-text-editor\" data-id=\"ea52d00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Revenue per user and monthly churn give lifetime value. Set that against what you paid to win them: under three to one, growth is expensive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-037e3da e-con-full e-flex e-con e-child\" data-id=\"037e3da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c08b6ec elementor-widget elementor-widget-sky-calculator\" data-id=\"c08b6ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-c08b6ec\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-c08b6ec&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;ltv&quot;,&quot;formula&quot;:&quot;IF(churn &gt; 0, arpu \\\/ (churn \\\/ 100), 0)&quot;,&quot;label&quot;:&quot;Customer Lifetime Value (LTV)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_saas_ltv&quot;},{&quot;key&quot;:&quot;ratio&quot;,&quot;formula&quot;:&quot;IF(cac &gt; 0, ltv \\\/ cac, 0)&quot;,&quot;label&quot;:&quot;LTV : CAC Efficiency Ratio&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_ltv_cac_ratio&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-saas_arpu\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c08b6ec-1\">Monthly Revenue per User ($)<\/label><input type=\"number\" id=\"c08b6ec-1\" data-key=\"arpu\" value=\"49\" placeholder=\"Enter ARPU\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-saas_churn\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c08b6ec-2\">Monthly Gross Churn Rate (%)<\/label><input type=\"number\" id=\"c08b6ec-2\" data-key=\"churn\" value=\"3.5\" placeholder=\"Enter churn rate\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-saas_cac\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c08b6ec-3\">Customer Acquisition Cost (CAC) ($)<\/label><input type=\"number\" id=\"c08b6ec-3\" data-key=\"cac\" value=\"350\" placeholder=\"Enter CAC cost\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Verify churn variables stay above zero.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_ltv_cac_ratio\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">LTV : CAC Efficiency Ratio<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"ratio\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_saas_ltv\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Customer Lifetime Value (LTV)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"ltv\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1fad04 e-con-full e-flex e-con e-child\" data-id=\"f1fad04\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cc8dbac e-con-full e-flex e-con e-child\" data-id=\"cc8dbac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7b708b elementor-widget elementor-widget-button\" data-id=\"f7b708b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Marketing<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1236f1 elementor-widget elementor-widget-heading\" data-id=\"c1236f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Before you commit the ad budget<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20f66e5 elementor-widget elementor-widget-text-editor\" data-id=\"20f66e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Budget divided by click cost gives traffic, conversion rate gives orders, order value gives revenue. Move one number and watch the return follow.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e6c672 e-con-full e-flex e-con e-child\" data-id=\"8e6c672\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c45c8d7 elementor-widget elementor-widget-sky-calculator\" data-id=\"c45c8d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-c45c8d7\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-c45c8d7&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;clicks&quot;,&quot;formula&quot;:&quot;IF(cpc &gt; 0, spend \\\/ cpc, 0)&quot;,&quot;label&quot;:&quot;Expected Clicks Traffic&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_mkt_clicks&quot;},{&quot;key&quot;:&quot;conversions&quot;,&quot;formula&quot;:&quot;clicks * (cvr \\\/ 100)&quot;,&quot;label&quot;:&quot;Predicted Conversions&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_mkt_conversions&quot;},{&quot;key&quot;:&quot;revenue&quot;,&quot;formula&quot;:&quot;conversions * aov&quot;,&quot;label&quot;:&quot;Predicted Gross Revenue&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_mkt_revenue&quot;},{&quot;key&quot;:&quot;roas&quot;,&quot;formula&quot;:&quot;IF(spend &gt; 0, revenue \\\/ spend, 0)&quot;,&quot;label&quot;:&quot;Return on Ad Spend (ROAS)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;x&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_mkt_roas&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-mkt_spend\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c45c8d7-1\">Total Ad Spend Budget ($)<\/label><input type=\"number\" id=\"c45c8d7-1\" data-key=\"spend\" value=\"5000\" placeholder=\"Enter ad spend\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-mkt_cpc\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c45c8d7-2\">Average Cost Per Click (CPC) ($)<\/label><input type=\"number\" id=\"c45c8d7-2\" data-key=\"cpc\" value=\"1.20\" placeholder=\"Enter CPC value\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-mkt_cvr\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c45c8d7-3\">Website Conversion Rate (%)<\/label><input type=\"number\" id=\"c45c8d7-3\" data-key=\"cvr\" value=\"2.5\" placeholder=\"Enter CVR rate\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-mkt_aov\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"c45c8d7-4\">Average Order Value (AOV) ($)<\/label><input type=\"number\" id=\"c45c8d7-4\" data-key=\"aov\" value=\"85\" placeholder=\"Enter AOV size\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. CPC inputs must remain positive.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_mkt_revenue\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Predicted Gross Revenue<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"revenue\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_mkt_clicks\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Expected Clicks Traffic<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"clicks\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_mkt_conversions\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Predicted Conversions<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"conversions\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_mkt_roas\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Return on Ad Spend (ROAS)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"roas\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f914411 e-con-full e-flex e-con e-child\" data-id=\"f914411\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cbaaac6 e-con-full e-flex e-con e-child\" data-id=\"cbaaac6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6fd90 elementor-widget elementor-widget-button\" data-id=\"5a6fd90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Automobile<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3614f13 elementor-widget elementor-widget-heading\" data-id=\"3614f13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What the car costs per month<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e544a6 elementor-widget elementor-widget-text-editor\" data-id=\"0e544a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Price plus tax, less deposit and part-exchange, spread over the term. The monthly figure is the one the showroom quotes. The total interest is the one it does not.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-537decf e-con-full e-flex e-con e-child\" data-id=\"537decf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b273243 elementor-widget elementor-widget-sky-calculator\" data-id=\"b273243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-b273243\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-b273243&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;financed_amount&quot;,&quot;formula&quot;:&quot;(price * (1 + tax \\\/ 100)) - down - trade&quot;,&quot;label&quot;:&quot;Total Amount Financed&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_total_financed&quot;},{&quot;key&quot;:&quot;monthly_payment&quot;,&quot;formula&quot;:&quot;IF(financed_amount &gt; 0, PMT(rate \\\/ 100 \\\/ 12, months, -financed_amount), 0)&quot;,&quot;label&quot;:&quot;Estimated Monthly Payment&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot; \\\/mo&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_auto_emi&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-car_price\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-1\">Vehicle Price ($)<\/label><input type=\"number\" id=\"b273243-1\" data-key=\"price\" value=\"32000\" placeholder=\"Enter price\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-car_tax\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-2\">Sales Tax (%)<\/label><input type=\"number\" id=\"b273243-2\" data-key=\"tax\" value=\"6.5\" placeholder=\"Enter tax rate\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-car_down\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-3\">Down Payment ($)<\/label><input type=\"number\" id=\"b273243-3\" data-key=\"down\" value=\"5000\" placeholder=\"Enter down payment\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-car_trade\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-4\">Trade-In Allowance ($)<\/label><input type=\"number\" id=\"b273243-4\" data-key=\"trade\" value=\"3000\" placeholder=\"Enter trade value\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--select elementor-repeater-item-car_term\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-5\">Loan Term<\/label><select class=\"sa-calculator-select\" id=\"b273243-5\" data-key=\"months\"><option value=\"60\">60 Months (5 Years)<\/option><option value=\"72\">72 Months (6 Years)<\/option><option value=\"48\">48 Months (4 Years)<\/option><option value=\"36\">36 Months (3 Years)<\/option><\/select>\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-car_rate\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b273243-6\">Interest Rate (%)<\/label><input type=\"number\" id=\"b273243-6\" data-key=\"rate\" value=\"5.49\" placeholder=\"Enter rate\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Check down payment or loan terms.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_auto_emi\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Estimated Monthly Payment<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"monthly_payment\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_total_financed\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Total Amount Financed<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"financed_amount\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a83f0e3 e-con-full e-flex e-con e-child\" data-id=\"a83f0e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-294b1f4 e-con-full e-flex e-con e-child\" data-id=\"294b1f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cee6462 elementor-widget elementor-widget-button\" data-id=\"cee6462\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Freelance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47c84d4 elementor-widget elementor-widget-heading\" data-id=\"47c84d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The lowest hourly rate that works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46e7936 elementor-widget elementor-widget-text-editor\" data-id=\"46e7936\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Take-home target plus expenses, divided by the hours you can genuinely bill. Most people find the answer is higher than what they currently charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bddad98 e-con-full e-flex e-con e-child\" data-id=\"bddad98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ade8fef elementor-widget elementor-widget-sky-calculator\" data-id=\"ade8fef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-ade8fef\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-ade8fef&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;gross_needed&quot;,&quot;formula&quot;:&quot;salary + overhead&quot;,&quot;label&quot;:&quot;Required Gross Target Revenue&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_gross_target&quot;},{&quot;key&quot;:&quot;total_hours&quot;,&quot;formula&quot;:&quot;hours * weeks&quot;,&quot;label&quot;:&quot;Total Annual Billable Hours&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_total_billable_hours&quot;},{&quot;key&quot;:&quot;hourly_rate&quot;,&quot;formula&quot;:&quot;IF(total_hours &gt; 0, gross_needed \\\/ total_hours, 0)&quot;,&quot;label&quot;:&quot;Minimum Target Hourly Rate&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot; \\\/hr&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_minimum_hourly_rate&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-rate_salary\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"ade8fef-1\">Desired Annual Net Target Salary ($)<\/label><input type=\"number\" id=\"ade8fef-1\" data-key=\"salary\" value=\"85000\" placeholder=\"Enter net target\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-rate_overhead\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"ade8fef-2\">Annual Business Expenses &amp; Taxes ($)<\/label><input type=\"number\" id=\"ade8fef-2\" data-key=\"overhead\" value=\"12000\" placeholder=\"Enter expenses\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-rate_hours\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"ade8fef-3\">Billable Hours per Week<\/label><input type=\"number\" id=\"ade8fef-3\" data-key=\"hours\" value=\"25\" placeholder=\"Enter billable hours\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-rate_weeks\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"ade8fef-4\">Working Weeks per Year<\/label><input type=\"number\" id=\"ade8fef-4\" data-key=\"weeks\" value=\"48\" placeholder=\"Enter working weeks\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Total tracking parameters must clear zero limits.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_minimum_hourly_rate\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Minimum Target Hourly Rate<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"hourly_rate\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_gross_target\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Required Gross Target Revenue<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"gross_needed\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_total_billable_hours\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Total Annual Billable Hours<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"total_hours\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-463043b e-con-full e-flex e-con e-child\" data-id=\"463043b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-77e65c9 e-con-full e-flex e-con e-child\" data-id=\"77e65c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28d94ff elementor-widget elementor-widget-button\" data-id=\"28d94ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">E-commerce <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb0e28 elementor-widget elementor-widget-heading\" data-id=\"6fb0e28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quantity breaks, and the free-shipping line<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53baec2 elementor-widget elementor-widget-text-editor\" data-id=\"53baec2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Unit price and quantity give the subtotal, the volume tier takes its cut, and it shows how far the basket still is from qualifying for free delivery.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5004ce5 e-con-full e-flex e-con e-child\" data-id=\"5004ce5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-774820c elementor-widget elementor-widget-sky-calculator\" data-id=\"774820c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-774820c\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-774820c&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;subtotal&quot;,&quot;formula&quot;:&quot;uprice * qty&quot;,&quot;label&quot;:&quot;Initial Subtotal&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_gross_subtotal&quot;},{&quot;key&quot;:&quot;discount_tier&quot;,&quot;formula&quot;:&quot;IF(qty &gt;= 10, 20, IF(qty &gt;= 5, 10, 0))&quot;,&quot;label&quot;:&quot;Volume Discount Applied (%)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot;%&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_volume_discount&quot;},{&quot;key&quot;:&quot;final_total&quot;,&quot;formula&quot;:&quot;subtotal * (1 - discount_tier \\\/ 100)&quot;,&quot;label&quot;:&quot;Final Cart Total&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_final_checkout&quot;},{&quot;key&quot;:&quot;shipping_left&quot;,&quot;formula&quot;:&quot;IF(final_total &gt;= threshold, 0, threshold - final_total)&quot;,&quot;label&quot;:&quot;Short of Free Shipping Goal&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_shipping_gap&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-item_price\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"774820c-1\">Unit Item Price ($)<\/label><input type=\"number\" id=\"774820c-1\" data-key=\"uprice\" value=\"25\" placeholder=\"Enter unit price\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-item_qty\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"774820c-2\">Order Quantity<\/label><input type=\"number\" id=\"774820c-2\" data-key=\"qty\" value=\"3\" placeholder=\"Enter quantity\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--hidden elementor-repeater-item-ship_threshold\">\n\t\t\t<input type=\"hidden\" id=\"774820c-3\" data-key=\"threshold\" value=\"100\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid quantity or price mapping.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_final_checkout\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Final Cart Total<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"final_total\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_gross_subtotal\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Initial Subtotal<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"subtotal\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_volume_discount\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Volume Discount Applied (%)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"discount_tier\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_shipping_gap\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Short of Free Shipping Goal<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"shipping_left\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0fe057e e-flex e-con-boxed e-con e-parent\" data-id=\"0fe057e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-290dcb2 e-flex e-con-boxed e-con e-child\" data-id=\"290dcb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dfe5581 e-flex e-con-boxed e-con e-child\" data-id=\"dfe5581\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d4b1a elementor-widget elementor-widget-heading\" data-id=\"d7d4b1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">NUTRITION<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c83b17 elementor-widget elementor-widget-heading\" data-id=\"7c83b17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A daily calorie number you can live with<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0f70e3 e-flex e-con-boxed e-con e-child\" data-id=\"b0f70e3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f5f26a elementor-widget elementor-widget-text-editor\" data-id=\"6f5f26a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Weight, height, age and how much you actually move. It gives the resting figure, the maintenance figure, and a target that takes weight off slowly rather than fast.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a005211 elementor-widget elementor-widget-sky-calculator\" data-id=\"a005211\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-a005211\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-a005211&quot;,&quot;resultShow&quot;:&quot;change&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;bmr&quot;,&quot;formula&quot;:&quot;(10 * weight) + (6.25 * height) - (5 * age) + gender&quot;,&quot;label&quot;:&quot;Basal Metabolic Rate (BMR)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot; kcal&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_bmr_base&quot;},{&quot;key&quot;:&quot;tdee&quot;,&quot;formula&quot;:&quot;bmr * multiplier&quot;,&quot;label&quot;:&quot;Daily Maintenance Calories (TDEE)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot; kcal\\\/day&quot;,&quot;separator&quot;:false,&quot;primary&quot;:false,&quot;id&quot;:&quot;res_tdee_maintenance&quot;},{&quot;key&quot;:&quot;deficit_goal&quot;,&quot;formula&quot;:&quot;tdee - 500&quot;,&quot;label&quot;:&quot;Weight Loss Target Calorie Budget&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:0,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot; kcal \\\/day&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;res_fatloss_target&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-fit_weight\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"a005211-1\">Weight (kg)<\/label><input type=\"number\" id=\"a005211-1\" data-key=\"weight\" value=\"80\" placeholder=\"Enter weight\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-fit_height\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"a005211-2\">Height (cm)<\/label><input type=\"number\" id=\"a005211-2\" data-key=\"height\" value=\"180\" placeholder=\"Enter height\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number elementor-repeater-item-fit_age\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"a005211-3\">Age (Years)<\/label><input type=\"number\" id=\"a005211-3\" data-key=\"age\" value=\"28\" placeholder=\"Enter age\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--select elementor-repeater-item-fit_gender\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"a005211-4\">Gender Offset<\/label><select class=\"sa-calculator-select\" id=\"a005211-4\" data-key=\"gender\"><option value=\"5\">Male (+5)<\/option><option value=\"-161\">Female (-161)<\/option><\/select>\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--select elementor-repeater-item-fit_activity\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"a005211-5\">Weekly Activity Level<\/label><select class=\"sa-calculator-select\" id=\"a005211-5\" data-key=\"multiplier\"><option value=\"1.375\">Light Exercise (1-3 days\/wk)<\/option><option value=\"1.55\">Moderate Exercise (3-5 days\/wk)<\/option><option value=\"1.2\">Sedentary (Desk Job)<\/option><option value=\"1.725\">Intense Active Training<\/option><\/select>\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tPlease make sure your metrics are realistically adjusted.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result elementor-repeater-item-res_fatloss_target\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Weight Loss Target Calorie Budget<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"deficit_goal\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-rows\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_bmr_base\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Basal Metabolic Rate (BMR)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"bmr\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-row elementor-repeater-item-res_tdee_maintenance\">\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-label\">Daily Maintenance Calories (TDEE)<\/span>\n\t\t\t\t\t\t\t<span class=\"sa-calculator-result-row-value\" data-result=\"tdee\">&mdash;<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-380100c e-flex e-con-boxed e-con e-parent\" data-id=\"380100c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b701fdb e-flex e-con-boxed e-con e-child\" data-id=\"b701fdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4349b2a e-flex e-con-boxed e-con e-child\" data-id=\"4349b2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29e87dd elementor-widget elementor-widget-heading\" data-id=\"29e87dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">PRICING<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-514de69 elementor-widget elementor-widget-heading\" data-id=\"514de69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Margin, before you agree a discount<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a56b512 e-flex e-con-boxed e-con e-child\" data-id=\"a56b512\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c2c02e elementor-widget elementor-widget-text-editor\" data-id=\"0c2c02e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Revenue and cost, and the percentage left over. Twenty percent off the price is almost never twenty percent off the margin, and this is the quickest way to see by how much.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a7a5ef e-flex e-con-boxed e-con e-child\" data-id=\"0a7a5ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-685d6ac e-flex e-con-boxed e-con e-child\" data-id=\"685d6ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116058b elementor-widget elementor-widget-sky-calculator\" data-id=\"116058b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-116058b\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-116058b&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;margin&quot;,&quot;formula&quot;:&quot;(revenue - cost) \\\/ revenue * 100&quot;,&quot;label&quot;:&quot;Profit Margin&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;&quot;,&quot;suffix&quot;:&quot; %&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"116058b-1\">Revenue<\/label><input type=\"number\" id=\"116058b-1\" data-key=\"revenue\" value=\"240\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"116058b-2\">Cost<\/label><input type=\"number\" id=\"116058b-2\" data-key=\"cost\" value=\"165\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check the values and try again.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Profit Margin<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"margin\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-df48a33 e-flex e-con-boxed e-con e-child\" data-id=\"df48a33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28d015e elementor-widget elementor-widget-heading\" data-id=\"28d015e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">WORKED EXAMPLE<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec290c5 elementor-widget elementor-widget-text-editor\" data-id=\"ec290c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sell at 240 against a cost of 165 and the margin is 31 percent. Discount that to 216 and the cost has not moved, so the margin falls to 24 percent. The price dropped a tenth; the profit dropped almost a quarter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1524abd e-flex e-con-boxed e-con e-parent\" data-id=\"1524abd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2d36a19 e-flex e-con-boxed e-con e-child\" data-id=\"2d36a19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-294032a e-flex e-con-boxed e-con e-child\" data-id=\"294032a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb70c0 elementor-widget elementor-widget-heading\" data-id=\"8bb70c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">BORROWING<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49e057d elementor-widget elementor-widget-heading\" data-id=\"49e057d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What a loan costs over its life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24bcedb e-flex e-con-boxed e-con e-child\" data-id=\"24bcedb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b08662 elementor-widget elementor-widget-text-editor\" data-id=\"9b08662\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Amount, rate and term. It returns the monthly payment, which is the number people compare in the showroom or on the phone. Multiply it by the number of months to see what the borrowing actually costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34cc51c e-flex e-con-boxed e-con e-child\" data-id=\"34cc51c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a0eeda5 e-flex e-con-boxed e-con e-child\" data-id=\"a0eeda5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc19321 elementor-widget elementor-widget-heading\" data-id=\"cc19321\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">READ THE TERM, NOT THE PAYMENT<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da52b9b elementor-widget elementor-widget-text-editor\" data-id=\"da52b9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Stretching the same borrowing over a longer term always lowers the monthly figure. Run it at four years, then at six: the payment falls by less than you expect, and you make twenty-four more of them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-affbd40 e-flex e-con-boxed e-con e-child\" data-id=\"affbd40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b480679 elementor-widget elementor-widget-sky-calculator\" data-id=\"b480679\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-b480679\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-b480679&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;payment&quot;,&quot;formula&quot;:&quot;PMT(rate \\\/ 100 \\\/ 12, years * 12, -amount)&quot;,&quot;label&quot;:&quot;Monthly Payment&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot; \\\/mo&quot;,&quot;separator&quot;:true,&quot;primary&quot;:true,&quot;id&quot;:&quot;&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b480679-1\">Loan Amount<\/label><input type=\"number\" id=\"b480679-1\" data-key=\"amount\" value=\"12000\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b480679-2\">Interest Rate (%)<\/label><input type=\"number\" id=\"b480679-2\" data-key=\"rate\" value=\"8.9\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"b480679-3\">Term (years)<\/label><input type=\"number\" id=\"b480679-3\" data-key=\"years\" value=\"4\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check the values and try again.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Monthly Payment<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"payment\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbd31f8 e-flex e-con-boxed e-con e-parent\" data-id=\"fbd31f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1dc12b5 e-flex e-con-boxed e-con e-child\" data-id=\"1dc12b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5c390a4 e-flex e-con-boxed e-con e-child\" data-id=\"5c390a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b53f395 elementor-widget elementor-widget-heading\" data-id=\"b53f395\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">MOST USED<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe36f3a elementor-widget elementor-widget-heading\" data-id=\"fe36f3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The tax one everybody looks for<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61b21c2 elementor-widget elementor-widget-text-editor\" data-id=\"61b21c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Net amount, tax rate, total. It is the most-used page on the site by a distance, which says something about how often people need it and how rarely they trust the mental arithmetic.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acfb36c sa-btnfx-active sa-btnfx-dir--bottom sa-btnfx-ring-on sa-btnfx-ring-state--retract e-transform sa-btnfx--sweep sa-btnfx-ring--solid elementor-widget elementor-widget-button\" data-id=\"acfb36c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-3,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all calculators<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94eab79 e-flex e-con-boxed e-con e-child\" data-id=\"94eab79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9620730 elementor-widget elementor-widget-sky-calculator\" data-id=\"9620730\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sky-calculator.default\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator sa-calculator--card\" id=\"sa-calculator-9620730\" data-settings=\"{&quot;id&quot;:&quot;#sa-calculator-9620730&quot;,&quot;resultShow&quot;:&quot;submit&quot;,&quot;countUp&quot;:true,&quot;results&quot;:[{&quot;key&quot;:&quot;total&quot;,&quot;formula&quot;:&quot;net * (1 + rate \\\/ 100)&quot;,&quot;label&quot;:&quot;Total (incl. tax)&quot;,&quot;format&quot;:&quot;number&quot;,&quot;decimals&quot;:2,&quot;prefix&quot;:&quot;$&quot;,&quot;suffix&quot;:&quot;&quot;,&quot;separator&quot;:false,&quot;primary&quot;:true,&quot;id&quot;:&quot;&quot;}]}\">\n\t\t\t<form class=\"sa-calculator-form\">\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"9620730-1\">Net Amount<\/label><input type=\"number\" id=\"9620730-1\" data-key=\"net\" value=\"850\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--number\">\n\t\t\t<label class=\"sa-calculator-label\" for=\"9620730-2\">Tax Rate (%)<\/label><input type=\"number\" id=\"9620730-2\" data-key=\"rate\" value=\"20\" placeholder=\"\" class=\"sa-calculator-input\">\t\t<\/div>\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--submit\">\n\t\t\t<div class=\"sa-calculator-submit\">\n\t\t\t\t\t\t\t\t\t<button class=\"sa-calculator-button\" type=\"submit\">\n\t\t\t\t\t\tCalculate\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--error sa-calculator-error sa-hidden\">\n\t\t\t\t\tInvalid input. Please check the values and try again.\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"sa-calculator-field sa-calculator-field--result\" aria-live=\"polite\">\n\t\t\t\t\t\t\t<div class=\"sa-calculator-result\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-label\">Total (incl. tax)<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"sa-calculator-result-value\" data-result=\"total\">&mdash;<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PLAINSUM Numbers you can check yourself A small independent site of free calculators. No signup, no email capture, and the assumptions behind every answer written underneath it. See all calculators COMPOUND IT Initial Amount Annual Rate (%) Years Calculate Invalid input. Please check the values and try again. Future Value &mdash; RUNNING COSTS What a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sky_video_link_meta":"","footnotes":""},"class_list":["post-12469","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/pages\/12469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/comments?post=12469"}],"version-history":[{"count":0,"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/pages\/12469\/revisions"}],"wp:attachment":[{"href":"https:\/\/skyaddons.com\/elementor\/wp-json\/wp\/v2\/media?parent=12469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}