Credit Card Payoff Calculator
Ona kuti nguva yakareba sei inotora kuti uite chikwereti chekadhi uye mari yacho.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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.
Zvimwe zvinobvunzwa zvakanyanya
Nei kadhi rangu richitora nguva yakareba kuti ribhadharwe?
Kana mari yaunobhadhara pamwedzi ichienzana nemari yaunobhadhara pamwedzi, hapana chinokudzikisa mari yacho. Kubhadhara kupfuura zvinodiwa zvinodzikira nguva yekubhadhara mari uye zvinodzikira mari yacho.
Chii chinoitika kana kubhadhara kwangu kuri pasi pemari yacho?
Kana mari yaunobhadhara pamwedzi isiri kusanganisira mari yekutanga yemwedzi, mari yacho haizozodzikira. Kana izvi zvichiitika, calculator iyi haizoratidza mari yacho.
Maitiro ekuzvimira kwechikwereti chekadhi?
The APR inoparadzwa ne 12 kuti uwane chiyero chemwedzi, icho chinoshandiswa kune yako yapfuura mari yemwedzi wega wega. At 22% APR that is about 1.83% a month — so a 4,000 balance accumulates roughly 73 of interest in the first month alone.
Ndezvipi zvikonzero zvandinofanira kubhadhara mari yemubhadharo wemwedzi kuti ndiite izvi?
Kana uchida kubvisa mari yacho, edza kukwira mari yemwedzi mu calculator kuti uone kuti mwedzi mipi uye mari yemubhadharo yacho.
Chii chinoitika kana ndichibhadhara mari itsva?
Kubhadhara iwe unowedzera pamwedzi kunobhadharwawo mutero uye kunobvisa mari yako, saka mari inokwira zvakaomarara—kana kuti haizogadziriswe kana mari nyowani ichidya kubudirira. Dzvanya paChinyorwa pasi pezvirongwa zvakakura kuti utore mifananidzo yekushandisa kwekadhi.
Kana uchibhadhara chete mari yakanakisisa, iwe unobvisa mari yako padhi?
Izvi zvinogona, asi zvakaoma uye nemari yakawanda, nekuti zhinji yemari yakati rebei inoenda kune pfungwa dzakaomarara. Izvi ndizvo zvinoita kuti nguva yekubhadhara uye pfungwa dzakazara dzive dzakaomarara kana iwe uchibhadhara kupfuura mari yakati rebei.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.