Kartu kredit Payoff Calculator
Iku bisa dadi cara kanggo mbayar utang lan kanggo mbayar utang sing wis ana.
Hasilne bakal dioptimalake nalika sampeyan ngetik.
Ngenai kalkulator iki
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. 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.The new-charges field shows how continued spending can keep a card from ever clearing.Use this calculator to build a realistic payoff plan, to see the true cost of carrying a balance at 22% APR paid off at 200 a month and costs roughly 1,000 in interest.Use this calculator to build a realistic payoff plan, and
Takon-takon kang kerep diajukake
Mengapa kartu saya begitu lama untuk membayar?
Nalika mayar bulanan anjeun deukeut ka biaya interest bulanan, hampir teu aya nu ngurangan saldo. Paying leuwih ti minimum dramatis shortens waktu payoff jeung cut interest.
Apa yen pembayaranku kurang?
Upami pamayaran bulanan henteu ngawengku bunga bulan kahiji, saldo henteu pernah turun. Kalkulator ieu henteu némbongkeun payoff nalika éta kajadian.
Carane interest kartu kredit diitung?
The APR dibagi ku 12 pikeun meunangkeun tingkat bulanan, nu diterapkeun ka saldo anjeun tetep unggal bulan. Dina 22% APR éta ngeunaan 1.83% sabulan - jadi a 4,000 saldo accumulates kira-kira 73 tina kapentingan dina bulan kahiji sorangan.
Apa aku kudu mbayar apa saben wulan kanggo mbusak luwih cepet?
Jumlah mana wae di luhur minimum langsung ka utama sarta shortens payoff dramatis. Coba naekkeun mayar bulanan dina kalkulator pikeun ningali sabaraha bulan jeung sabaraha interest unggal naékna nyimpen.
Apa sing mbayar anyar kanggo payoffku?
Biaya anu anjeun tambahkeun unggal bulan ogé ditarik bungana sarta ngagantikeun bayaran anjeun, janten saldona turun langkung lambat - atanapi henteu pernah dipulihkeun upami biaya anyar ngaleupaskeun kamekaran. Masukkan angka dina pilihan canggih pikeun ngamodelkeun panggunaan kartu anu terus-terusan.
Apa mung mbayar minimal sing wis mbusak kartu?
Éta bisa, tapi pisan lambat sarta dina biaya gede, sabab loba tina hiji pamayaran minimum asup ka interest awal. Ieu naha waktu payoff jeung interest total ngurangan jadi drastis nalika anjeun mayar leuwih ti minimum.
API — gunakake kalkulator iki saka kode
Ngadongékeun kalkulator ieu minangka titik akhir JSON bébas — teu peryogi kunci. Kirim nilai medan di handapeun minangka parameter pitakonan atawa JSON. Waca dokumen lengkap API →
Tampilan
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);Hasilna nyaéta perkiraan pikeun pituduh umum, henteu saran finansial, médis atanapi pajak.