Credit Card Payoff Calculator
Nwere ike ịhụ oge ọ na-ewe iji mechie ego kaadị kredit nakwa ego ọ na-akwụ.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
This calculator shows how many months it takes to pay off a credit card balance at a fixed monthly payment, and how much interest you pay along the way. Each month it charges interest of one-twelfth of the APR on the remaining balance, adds any new spending you enter, then subtracts your payment — repeating until the balance reaches zero. A higher monthly payment clears the balance far faster and costs far less interest.
For example, a 4,000 balance at 22% APR paid off at 200 a month takes a little over two years — around 25 months — and costs roughly 1,000 in interest. Raise the payment to 300 a month and the same balance clears in about 15 months with far less interest, because more of each payment attacks the principal instead of the interest.
Use it to build a realistic payoff plan, to see the true cost of carrying a balance, and to test how much sooner you would be debt-free by paying a little more each month. The new-charges field shows how continued spending can keep a card from ever clearing.
Ajụjụ ndị a na-ajụkarị
Gịnị mere ka kaadị m ji na-ewe oge ogologo iji akwụ ụgwọ?
When your monthly payment is close to the monthly interest charge, almost none of it reduces the balance. Paying more than the minimum dramatically shortens the payoff time and cuts interest.
Gịnị ma ọ bụrụ na m na-akwụ ụgwọ dị ala?
Ọ bụrụ na ụgwọ ọnwa anaghị ahọpụta ọnwa mbụ n'ụdị ego, ego ahụ agaghị akwụsị. Calculator a gosighị ụgwọ mgbe nke ahụ ga-eme.
Olee otú a na-ehazi ego kaadị kredit?
The APR bụ 12 na-ewere a ọnwa ọnụego, nke na-eji na gị na-adịchaghị ego kwa ọnwa. Na 22% APR na-abịa banyere 1.83% a ọnwa - ya mere a 4,000 ego na-accumulates ihe dị ka 73 nke ego na mbụ ọnwa naanị.
Olee uru m ga-akwụ n'ọnwa ọ bụla iji wepu ya n'ụzọ dị ngwa?
Ọbụla ego n'elu nke ala na-aga n'ụzọ ziri ezi na-eburu n'uche na-ewepụ ụgwọ. Jiri n'ụdị n'ụbọchị n'ime calculator ka ịhụ ole ọnwa na ole uru ọbụla na-echekwa.
Gịnị ka ụgwọ ọhụrụ na-eme ka m akwụ ụgwọ?
N'ihi na ị na-echekwa ego ị na-egbakwunye n'ụbọchị ọbụla, ọ na-eburu n'uche na ị ga-akwụ ụgwọ gị, yabụ na ego ahụ na-apụta n'ụzọ dị n'okporo ụzọ - ma ọ bụ na-ewepụghị ya mgbe ọ bụla ma ọ bụrụ na ị na-eburu ego ọhụrụ n'okporo ụzọ. Tinye ọnụọgụgụ n'okpuru nhọrọ ndị dị elu iji mepụta ojiji na-aga n'ihu nke kaadị ahụ.
Ọ bụrụ na ịkwụ ụgwọ naanị ihe dị ala, ọ ga-eme ka kaadị ahụ pụta?
It can, but very slowly and at great cost, because most of a minimum payment goes to interest early on. This is why the payoff time and total interest shrink so sharply when you pay more than the minimum.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/credit-card-payoff/curl
curl "https://calculator.free/api/v1/credit-card-payoff/?balance=4000&apr=22&payment=200"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/credit-card-payoff/?" + new URLSearchParams({
"balance": "4000",
"apr": "22",
"payment": "200"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.