Debt payoff calculator
Compare the snowball dan avalanche methods across all your debts dan see your debt-free date.
Tentang Debt payoff calculator
Compare the snowball dan avalanche methods across all your debts dan see your debt-free date.
Bagian dari bagian “Keuangan” SmartCalcy. Berjalan di peramban Anda tanpa akun, memakai mata uang dan satuan Anda sendiri (ubah di bagian atas halaman), dan memberi perkiraan hanya untuk informasi, jadi periksa panduan resmi sebelum mengandalkan hasilnya.
Cara menggunakan Debt payoff calculator
Apa yang dihitung dan kapan digunakan
Compares the snowball dan avalanche methods across several debts, showing your debt-free Tanggal, Bunga Dibayar, dan the order di which debts are cleared.
Cara menggunakan, langkah demi langkah
- List Per buah debt with its Saldo, Bunga Suku bunga, dan minimum payment.
- ke-Enter the extra money you can pay each mon.
- Choose avalanche (highest Suku bunga first) atau snowball (smallest Saldo first).
- Compare the Hasil.
Arti setiap input
- Saldo, Suku bunga %, Minimum – For Per buah debt.
- Extra – Added sampai the minimums dan aimed Pada the target debt.
- Method – Decides which debt receives the extra money.
Cara membaca hasil
- Debt-free inci – Bulan Sampai all balances are zero.
- Bunga – Total bunga seharga each method and seharga minimum payments only.
- Urutan – When Per buah debt adalah cleared.
Rumus
Each month interest = balance × rate ÷ 12 adalah added, minimums are Dibayar,, dan the remaining budget goes sampai the target debt. When a debt adalah cleared its minimum rolls into the next one.
Contoh perhitungan
A credit card 4,500 at 22.9%, a car loan 9,000 at 7.5%, dan a store card 1,200 at 29.9%, with 200 extra a month. You are debt-free di 2 years 4 bulan, dan pay 2,115 interest, compared with 3 years 11 bulan, dan 4,712 at the minimums, a saving 2,596.
Asumsi dan batasan
- Rates are fixed dan no new debt adalah added.
- Minimums Aksi not Perubahan as balances fall.
Kesalahan umum
- Not rolling a cleared debt’s payment into the next one.
- Paying only minimums on high-rate cards.
Pertanyaan yang sering diajukan
Avalanche atau snowball?
Avalanche costs less Bunga. Snowball gives quicker wins. Pick the one you will stick Sampai.
Why does it say my debt never clears?
A minimum payment smaller than the Bulanan Bunga means the Saldo never falls.
Alat terkait
Detail
- Total Dibayar
- £16,815
- Avalanche
- 2 tahun, 4 bulan, £2,115 Bunga
- Snowball
- 2 tahun, 4 bulan, £2,115 Bunga
- Minimum payments only
- 3 tahun, 11 bulan, £4,712 Bunga
- Bunga saved by your extra payment
- £2,596
- Total Bulanan payment
- £620.00
Urutan the debts are cleared
| Debt | Dibayar off after |
|---|---|
| Store card | 6 bulan |
| Credit card | 1 Tahun, 6 bulan |
| Car loan | 2 tahun, 4 bulan |