#cc9-calc-root {
font-family: system-ui, -apple-system, BlinkMacSystemFont, ‘Inter’, sans-serif;
color: #0F172A;
line-height: 1.6;
max-width: 1000px;
margin: 0 auto;
}
#cc9-calc-root h1, #cc9-calc-root h2, #cc9-calc-root h3 {
font-weight: 700;
color: #0F172A;
margin-top: 1.5em;
margin-bottom: 0.5em;
}
#cc9-calc-root h1 {
font-size: 2.25rem;
line-height: 1.2;
}
#cc9-calc-root p {
margin-bottom: 1.25em;
}
#cc9-calc-root a {
color: #10B981;
text-decoration: underline;
text-decoration-color: rgba(16, 185, 129, 0.4);
text-underline-offset: 4px;
}
#cc9-calc-root a:hover {
text-decoration-color: #10B981;
}
#cc9-calc-root .geo-box {
background: #F8FAFC;
border-left: 4px solid #10B981;
padding: 16px;
border-radius: 0 8px 8px 0;
margin-bottom: 32px;
font-size: 0.95rem;
}
#cc9-calc-root .calc-container {
background: #ffffff;
border: 1.5px solid #E2E8F0;
border-radius: 16px;
padding: 28px;
margin: 40px 0;
box-shadow: 0 4px 6px -1px rgba(0,0,0,0.05);
}
#cc9-calc-root .calc-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 32px;
}
@media (max-width: 767px) {
#cc9-calc-root .calc-grid {
grid-template-columns: 1fr;
}
}
#cc9-calc-root .slider-group {
margin-bottom: 24px;
}
#cc9-calc-root .slider-header {
display: flex;
justify-content: space-between;
align-items: center;
margin-bottom: 12px;
font-weight: 600;
}
#cc9-calc-root .badge {
background: #F0FDF4;
border: 1px solid #BBF7D0;
color: #10B981;
padding: 4px 12px;
border-radius: 9999px;
font-size: 0.9rem;
font-weight: 700;
}
#cc9-calc-root input[type=range] {
width: 100%;
accent-color: #10B981;
height: 6px;
border-radius: 3px;
background: #E2E8F0;
outline: none;
-webkit-appearance: none;
}
#cc9-calc-root input[type=range]::-webkit-slider-thumb {
-webkit-appearance: none;
width: 20px;
height: 20px;
border-radius: 50%;
background: #10B981;
cursor: pointer;
border: 2px solid #ffffff;
box-shadow: 0 1px 3px rgba(0,0,0,0.3);
}
#cc9-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
color: white;
padding: 24px;
border-radius: 12px;
display: flex;
flex-direction: column;
}
#cc9-calc-root .hero-stat {
margin-bottom: 24px;
text-align: center;
}
#cc9-calc-root .hero-stat-label {
font-size: 0.9rem;
color: #94A3B8;
text-transform: uppercase;
letter-spacing: 0.05em;
margin-bottom: 4px;
}
#cc9-calc-root .hero-stat-value {
font-size: 2.5rem;
font-weight: 800;
color: #10B981;
}
#cc9-calc-root .sub-stats {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 16px;
margin-bottom: 24px;
background: rgba(255,255,255,0.05);
padding: 16px;
border-radius: 8px;
}
#cc9-calc-root .sub-stat {
text-align: center;
}
#cc9-calc-root .sub-stat-label {
font-size: 0.8rem;
color: #94A3B8;
margin-bottom: 4px;
}
#cc9-calc-root .sub-stat-value {
font-size: 1.25rem;
font-weight: 700;
}
#cc9-calc-root .chart-container {
height: 200px;
width: 100%;
margin-top: auto;
background: white;
padding: 12px;
border-radius: 8px;
}
#cc9-calc-root .hub-banner {
background: #0F172A;
color: white;
padding: 24px;
border-radius: 12px;
margin: 32px 0;
display: flex;
justify-content: space-between;
align-items: center;
}
#cc9-calc-root .hub-banner h3 {
margin: 0 0 8px 0;
color: white;
}
#cc9-calc-root .hub-banner p {
margin: 0;
color: #94A3B8;
}
#cc9-calc-root .hub-btn {
background: #10B981;
color: white;
padding: 12px 24px;
border-radius: 8px;
text-decoration: none;
font-weight: 600;
white-space: nowrap;
}
#cc9-calc-root .hub-btn:hover {
background: #059669;
}
@media (max-width: 600px) {
#cc9-calc-root .hub-banner {
flex-direction: column;
text-align: center;
gap: 16px;
}
}
#cc9-calc-root table {
width: 100%;
border-collapse: collapse;
margin: 32px 0;
}
#cc9-calc-root th, #cc9-calc-root td {
padding: 12px 16px;
text-align: left;
border-bottom: 1px solid #E2E8F0;
}
#cc9-calc-root th {
background: #0F172A;
color: white;
font-weight: 600;
}
#cc9-calc-root tr:nth-child(even) {
background: #F8FAFC;
}
#cc9-calc-root .faq-section {
background: #F8FAFC;
padding: 32px;
border-radius: 16px;
margin-top: 48px;
}
#cc9-calc-root .faq-item {
margin-bottom: 24px;
}
#cc9-calc-root .faq-item:last-child {
margin-bottom: 0;
}
#cc9-calc-root .faq-item h3 {
margin-top: 0;
color: #0F172A;
}

/* Compact Modern Styling with Direct Manual Inputs & Ad Slots */
#cc9-calc-root .calc-box, #cc9-calc-root .calc-container, #cc9-calc-root .calc-grid {
background: #FFFFFF !important;
border: 1.5px solid #E2E8F0 !important;
border-radius: 14px !important;
padding: 18px !important;
margin-bottom: 16px !important;
box-shadow: 0 4px 12px -2px rgba(15, 23, 42, 0.05) !important;
}
#cc9-calc-root .controls, #cc9-calc-root .controls-panel, #cc9-calc-root .calc-controls {
display: flex !important;
flex-direction: column !important;
gap: 12px !important;
}
#cc9-calc-root .control-card {
background: #F8FAFC !important;
border: 1px solid #E2E8F0 !important;
border-radius: 10px !important;
padding: 10px 14px !important;
margin-bottom: 0 !important;
}
#cc9-calc-root .control-header {
display: flex !important;
justify-content: space-between !important;
align-items: center !important;
margin-bottom: 6px !important;
}
#cc9-calc-root .control-label {
font-weight: 600 !important;
font-size: 13.5px !important;
color: #0F172A !important;
}
#cc9-calc-root .input-wrapper {
display: flex !important;
align-items: center !important;
gap: 6px !important;
}
#cc9-calc-root .currency-prefix {
font-weight: 700 !important;
color: #64748B !important;
font-size: 14px !important;
}
#cc9-calc-root .num-input {
width: 105px !important;
padding: 5px 8px !important;
border: 1.5px solid #CBD5E1 !important;
border-radius: 6px !important;
font-size: 14px !important;
font-weight: 700 !important;
color: #0F172A !important;
background: #FFFFFF !important;
text-align: right !important;
outline: none !important;
}
#cc9-calc-root .num-input:focus {
border-color: #10B981 !important;
box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.15) !important;
}
#cc9-calc-root input[type=range] {
width: 100% !important;
accent-color: #10B981 !important;
height: 5px !important;
background: #E2E8F0 !important;
border-radius: 3px !important;
cursor: pointer !important;
outline: none !important;
margin-top: 4px !important;
}
#cc9-calc-root .results-panel {
background: linear-gradient(135deg, #0F172A 0%, #1E293B 100%) !important;
color: #FFFFFF !important;
border-radius: 12px !important;
padding: 16px !important;
text-align: center !important;
display: flex !important;
flex-direction: column !important;
justify-content: space-between !important;
}
#cc9-calc-root .hero-stat {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
margin: 4px 0 2px !important;
}
#cc9-calc-root .hero-stat .val {
font-size: 28px !important;
font-weight: 800 !important;
color: #10B981 !important;
}
#cc9-calc-root .hero-stat .lbl {
font-size: 12px !important;
color: #94A3B8 !important;
}
#cc9-calc-root .chart-container {
height: 160px !important;
margin-top: 10px !important;
}
#cc9-calc-root .hub-banner {
background: #0F172A !important;
color: white !important;
padding: 14px 20px !important;
border-radius: 10px !important;
display: flex !important;
align-items: center !important;
justify-content: space-between !important;
flex-wrap: wrap !important;
gap: 12px !important;
margin: 16px 0 !important;
border: 1px solid #1E293B !important;
}
#cc9-calc-root .hub-banner-content h3 {
color: white !important;
margin: 0 0 4px !important;
font-size: 15px !important;
}
#cc9-calc-root .hub-banner-content p {
color: #CBD5E1 !important;
margin: 0 !important;
font-size: 13px !important;
}
#cc9-calc-root .hub-banner a, #cc9-calc-root .hub-btn {
display: inline-block !important;
background: #10B981 !important;
color: white !important;
padding: 8px 18px !important;
text-decoration: none !important;
border-radius: 6px !important;
font-weight: 600 !important;
font-size: 13px !important;
white-space: nowrap !important;
transition: background 0.2s !important;
}
#cc9-calc-root .hub-banner a:hover, #cc9-calc-root .hub-btn:hover {
background: #059669 !important;
}
#cc9-calc-root .ad-slot-placeholder {
display: flex !important;
align-items: center !important;
justify-content: center !important;
background: #F1F5F9 !important;
border: 1px dashed #CBD5E1 !important;
border-radius: 8px !important;
min-height: 90px !important;
margin: 16px 0 24px !important;
color: #94A3B8 !important;
font-size: 12px !important;
text-transform: uppercase !important;
letter-spacing: 0.05em !important;
}

function syncFromRange(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { n.value = r.value; } }
}
function syncFromNum(key) {
var r = document.getElementById(‘range’ + key);
var n = document.getElementById(‘num’ + key);
if (r) { if (n) { r.value = n.value; } }
}

function runCC9Calculator() {
const bal = parseFloat((document.getElementById(‘numCC9Bal’) ? document.getElementById(‘numCC9Bal’).value : document.getElementById(‘rangeCC9Bal’).value));
const apr = parseFloat((document.getElementById(‘numCC9Apr’) ? document.getElementById(‘numCC9Apr’).value : document.getElementById(‘rangeCC9Apr’).value));
const pmt = parseFloat((document.getElementById(‘numCC9Pmt’) ? document.getElementById(‘numCC9Pmt’).value : document.getElementById(‘rangeCC9Pmt’).value));

var b_CC9Bal = document.getElementById(‘valCC9Bal’); if (b_CC9Bal) { b_CC9Bal.innerText = ‘$’ + bal.toLocaleString(); }
var b_CC9Apr = document.getElementById(‘valCC9Apr’); if (b_CC9Apr) { b_CC9Apr.innerText = apr + ‘%’; }
var b_CC9Pmt = document.getElementById(‘valCC9Pmt’); if (b_CC9Pmt) { b_CC9Pmt.innerText = ‘$’ + pmt + ‘/mo’; }

let currentBal = bal;
let totalInt = 0;
let months = 0;
const monthlyRate = (apr / 100) / 12;

const labels = [];
const balData = [];
const intData = [];

labels.push(‘M0’);
balData.push(currentBal);
intData.push(0);

// If payment is less than interest, it’s impossible
if (pmt 0) {
if (!(months < 600)) break;
months++;
let interestCharge = currentBal * monthlyRate;
totalInt += interestCharge;

let principalPay = pmt – interestCharge;
if (currentBal < principalPay) {
principalPay = currentBal;
}

currentBal -= principalPay;

if (months % 3 === 0 || currentBal === 0) {
labels.push('M' + months);
balData.push(Math.max(0, currentBal));
intData.push(totalInt);
}
}

document.getElementById('resCC9Months').innerText = months + ' Months';
document.getElementById('resCC9Interest').innerText = '$' + Math.round(totalInt).toLocaleString();
document.getElementById('resCC9TotalPaid').innerText = '$' + Math.round(bal + totalInt).toLocaleString();

const ctx = document.getElementById('chartCC9').getContext('2d');

if (window.chartCC9 instanceof Chart) {
window.chartCC9.destroy();
}

window.chartCC9 = new Chart(ctx, {
type: 'line',
data: {
labels: labels,
datasets: [
{
label: 'Remaining Balance',
data: balData,
borderColor: '#0F172A',
backgroundColor: '#0F172A',
borderWidth: 2,
tension: 0.2,
pointRadius: 0
},
{
label: 'Cumulative Interest Paid',
data: intData,
borderColor: '#EF4444',
backgroundColor: '#EF4444',
borderWidth: 2,
tension: 0.2,
pointRadius: 0
}
]
},
options: {
responsive: true,
maintainAspectRatio: false,
interaction: {
mode: 'index',
intersect: false,
},
plugins: {
legend: {
display: true,
position: 'top',
labels: { boxWidth: 12, font: {size: 10} }
}
},
scales: {
x: {
display: true,
grid: { display: false },
ticks: { font: { size: 10 }, color: '#94A3B8', maxTicksLimit: 6 }
},
y: {
beginAtZero: true,
display: false
}
}
}
});
}
runCC9Calculator();

{
“@context”: “https://schema.org”,
“@type”: “FAQPage”,
“mainEntity”: [
{
“@type”: “Question”,
“name”: “What is an amortization curve?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “An amortization curve is a graphical representation of your debt paydown over time. It typically shows your remaining balance decreasing alongside the cumulative interest you have paid.”
}
},
{
“@type”: “Question”,
“name”: “Why does the interest paid increase so fast early on?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “Interest is calculated based on your current balance. In the early months, your balance is at its highest, meaning the maximum amount of interest is charged.”
}
},
{
“@type”: “Question”,
“name”: “How does a 0% balance transfer change the curve?”,
“acceptedAnswer”: {
“@type”: “Answer”,
“text”: “A 0% balance transfer pauses interest charges for an introductory period. During this time, 100% of your payments go directly to the principal balance, resulting in a straight line of rapid debt reduction.”
}
}
]
}