Kalkulator pelunasan utang
Bandhingake metode snowball lan avalanche kanggo kabeh utang panjenengan lan delengen tanggal bebas utang.
Babagan Kalkulator pelunasan utang
Bandhingake metode snowball lan avalanche kanggo kabeh utang panjenengan lan delengen tanggal bebas utang.
Bagean saka seksi “Keuangan” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator pelunasan utang
Apa sing dietung lan kapan nganggo
Mbandhingake metode snowball lan avalanche ing pirang-pirang utang, nuduhake tanggal bebas utang, bunga sing dibayar lan urutan utang sing dilunasi.
Carane nganggo, langkah demi langkah
- Daftar saben utang karo saldo, suku bunga lan cicilan minimale.
- Lebokna dhuwit ekstra sing bisa dibayar saben sasi.
- Pilih avalanche (suku bunga paling dhuwur dhisik) utawa snowball (saldo paling cilik dhisik).
- Bandhingake asile.
Tegese saben input
- Saldo, Tarif %, Minimal – For Saben siji debt.
- Tambahan – Added nganti the minimums lan aimed at the target debt.
- Metode – Decides which debt receives the extra money.
Carane maca asile
- Debt-free in – Sasi nganti kabeh balances are zero.
- Bunga – Total bunga kanggo each method lan kanggo minimum payments only.
- Urutan – When Saben siji debt yaiku cleared.
Rumus
Each month interest = balance × rate ÷ 12 is added, minimums are paid, and the remaining budget goes to the target debt. When a debt is cleared its minimum rolls into the next one.
Conto petungan
A credit card of 4,500 at 22.9%, a car loan of 9,000 at 7.5% and a store card of 1,200 at 29.9%, with 200 extra a month. You are debt-free in 2 years 4 months and pay 2,115 interest, compared with 3 years 11 months and 4,712 at the minimums, a saving of 2,596.
Asumsi lan watesan
- Rates are fixed lan no new debt yaiku added.
- Minimums do not change as balances fall.
Kesalahan umum
- Not rolling a cleared debt’s payment into the next one.
- Paying only minimums on high-rate cards.
Pitakonan sing kerep ditakokake
Avalanche utawa snowball?
Avalanche mbayar bunga luwih sithik. Snowball menehi kamenangan luwih cepet. Pilih sing bakal panjenengan lakoni terus.
Kenapa ana tulisan utangku ora bakal lunas?
Cicilan minimal sing luwih cilik tinimbang bunga saben sasi tegese saldo ora bakal mudhun.
Piranti sing gegandhengan
Rincian
- Total Dibayar
- £16,815
- Avalanche
- 2 taun, 4 sasi, £2,115 Bunga
- Snowball
- 2 taun, 4 sasi, £2,115 Bunga
- Minimal payments only
- 3 taun, 11 sasi, £4,712 Bunga
- Bunga Diirit by your Tambahan payment
- £2,596
- Total Saben sasi payment
- £620.00
Urutan the debts are cleared
| Debt | Dibayar off Sawise |
|---|---|
| Store card | 6 sasi |
| Credit card | 1 taun, 6 sasi |
| Car loan | 2 taun, 4 sasi |