Mhesabu wa Kadi za Mkopo
Ona muda ambao unahitaji ili kuondoa kiasi cha riba unachotumia katika kadi ya mkopo.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Kwa nini kadi yangu huchukua muda mrefu hivyo kulipa?
Ukilipa deni la kila mwezi, karibu kila moja haipunguzi kiasi cha pesa unachodaiwa.
Vipi ikiwa mshahara wangu ni mdogo sana?
Ikiwa malipo ya kila mwezi hayalipizi riba ya mwezi wa kwanza, usawaziko huo haupungui kamwe.
Upendezi wa kadi ya mkopo hukadiriwaje?
The APR is divided by 12 to get a monthly rate, which is applied to your remaining balance each month. At 22% APR that is about 1.83% a month — so a 4,000 balance accrues roughly 73 of interest in the first month alone.
Nitalipa kiasi gani kila mwezi ili kuisafisha haraka zaidi?
Kiasi chochote kilicho juu ya kiwango cha chini zaidi huenda moja kwa moja hadi kuwa kikubwa zaidi na hufupisha mshahara huo kwa njia ya kutazamisha.
Mashtaka mapya hufanya nini kwa malipo yangu?
Kutumia fedha kwa kiasi mnachoongeza kila mwezi kunatozwa riba pia na kunapunguza malipo yako, kwa hiyo usawaziko hupungua polepole zaidi au hautoi kamwe ikiwa mashtaka mapya yatapunguza maendeleo.
Je, kulipa kiasi kidogo sana cha pesa ndicho huondoa madeni yote?
Yaweza, lakini polepole sana na kwa gharama kubwa, kwa sababu malipo mengi ya chini zaidi hupendeza mapema. Hii ndiyo sababu malipo na riba ya jumla hupungua sana unapolipa zaidi ya kiasi cha chini zaidi.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.