function calcDebt() {
	var total_months = 0;
	var total_curr_balance = 0;
	var avg_interest_rate = 0;
	var total_min_pay = 0;
	var total_pay_off = 0;
	var total_creds = 0;
	var total_rate = 0;

	for ( var x=1; x<11; x++)
	{
		var num_pays = 0;
		var interest_payed = 0;
		var b = Number(document.getElementById('balance_' + x).value);
		var r = Number(document.getElementById('rate_' + x).value);
		var m = Number(document.getElementById('min_pay_' + x).value);
		var n = document.getElementById('pay_off_' + x);
		var i = document.getElementById('int_pay_' + x);

		if ( b && r && m )
		{
			var curr_balance = b;
			while ( curr_balance > 0 )
			{
				interest_payed += curr_balance * (r/100) * (1/12);
				curr_balance = curr_balance + (curr_balance * (r/100) * (1/12)) - m;
				if ( curr_balance >= b )
				{
					// Min payment is not enough to pay down based on interest rate
					// num_pays = '<font style="font-size:8px;font-weight:normal;">Min Pay too low</font>';
					num_pays = '-----';
					interest_payed = '----';
					break;
				}
				num_pays++;
			}
			n.innerHTML = num_pays;
			var total_payed = Math.round(interest_payed) + b;
			i.innerHTML = "&nbsp;" + formatCurrency(total_payed) + "&nbsp;&nbsp;";

			total_creds++;
			total_curr_balance += b;
			total_min_pay += m;
			total_pay_off += total_payed;
			total_rate += r;
			if ( total_months < num_pays )
			{
				total_months = num_pays;
			}
		}
	}

	avg_interest_rate = Math.round( (total_rate/total_creds) );
	document.getElementById('total_curr_balance').innerHTML = formatCurrency(total_curr_balance);
	document.getElementById('avg_interest_rate').innerHTML = avg_interest_rate;
	document.getElementById('total_min_pay').innerHTML = formatCurrency(total_min_pay);
	document.getElementById('total_pay_off').innerHTML = formatCurrency(total_pay_off);
	document.getElementById('total_months').innerHTML = total_months;
}

function resetCalc() {
	for ( var x=1; x<11; x++ )
	{
		document.getElementById('balance_' + x).value = '';
		document.getElementById('rate_' + x).value = '';
		document.getElementById('min_pay_' + x).value = '';
		document.getElementById('pay_off_' + x).innerHTML = '';
		document.getElementById('int_pay_' + x).innerHTML = '';
	}

	document.getElementById('total_curr_balance').innerHTML = '';
	document.getElementById('avg_interest_rate').innerHTML = '';
	document.getElementById('total_min_pay').innerHTML = '';
	document.getElementById('total_pay_off').innerHTML = '';
	document.getElementById('total_months').innerHTML = '';
}

function formatCurrency(num) {
	num = num.toString().replace(/\$|\,/g,'');
	if(isNaN(num))
		num = "0";
	sign = (num == (num = Math.abs(num)));
	num = Math.floor(num*100+0.50000000001);
	cents = num%100;
	num = Math.floor(num/100).toString();
	if(cents<10)
		cents = "0" + cents;
	for (var i = 0; i < Math.floor((num.length-(1+i))/3); i++)
		num = num.substring(0,num.length-(4*i+3))+','+ num.substring(num.length-(4*i+3));
	return (((sign)?'':'-') + '$ ' + num);
}