I-Calculator yekhadi letyala
Fumana ukuba ixesha elingakanani ukucima umyinge wenzala wekhadi letyala kunye neendleko zenzuzo.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Kutheni ikhadi lam lithatha ixesha elide ukuhlawula?
Xa uhlawula ngenyanga ufutshane nemali yenzuzo yenyanga, akukho nto incinci isigxina. Uhlawula ngaphezulu kwexabiso eliphantsi kukhawulezisa ixesha lokuhlawula kwaye kukhawuleze inzuzo.
Yintoni ukuba iindleko zam ziphantsi kakhulu?
Ukuba unikezelo lwenyanga alugubungeli iinyanga zokuqala zenzuzo, isixa asiyi kuhla. Le calculator ayibonisi unikezelo xa oku kwenzeka.
Ityala lekhadi letyala licalwa njani?
I-APR ihlukaniswa nge-12 ukuze ufumane umyinge wamanyanga, osetyenziswa kwimali ekhoyo ekufuneka uyihlawule ngenyanga nganye. Kwi-22% ye-APR, oko kukuthi, malunga ne-1.83% ngenyanga— ngoko ke, i-4,000 yemali ekufuneka uyihlawule ifumana inzala emalunga ne-73 kwinyanga yokuqala kuphela.
Ndimele ndihlawule malini ngenyanga ukuze ndiyisuse ngokukhawuleza?
Nayiphi na imali engaphezulu komda ihamba ngqo kwimali ephambili kwaye ikhawulezisa ukuhlawula ngokugqithisileyo. Zama ukunciphisa ityala lenyanga kwi-calculator ukuze ubone ukuba linyanga ezili-12 nakwinzuzo eninzi egcinwa ngaphezu kokunciphisa ngalinye.
Yintoni eyenza ukuba iindleko ezintsha zisebenze njani kwimali yam yokufumana iindleko?
Imali oyisebenzisayo ukongeza nganye inyanga ihlawuliswa iindleko kwaye ikhupha ityala lakho, ngoko umlinganiselo uphantsi ngokucothayo — okanye awusoze ucoceke ukuba iindleko ezintsha zidlale inkqubela phambili. Faka umlinganiselo phantsi kwezinto onokuthi ukhethe kuzo ukuze umodele ukusetyenziswa okuqhubekayo kwekhadi.
Ingaba ukuhlawula kuphela ixabiso eliphantsi kutshanje kususa ikhadi?
Kunjalo, kodwa ngokucothayo kakhulu kwaye ngexabiso elikhulu, kuba uninzi lwemali encinci ehlawulwayo liya kwinzuzo kuqala. Le nto ibangela ukuba ixesha lokuhlawula kunye nenzuzo epheleleyo ikhuphe ngokuthe ngqo xa uhlawula ngaphezulu kwexabiso elincinci.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.