Àwọn Àwọn Àkọ́lé

Wó bí o tí n gba àwọn ìṣàmúlò-ètò láti pàtó àwọn

Àwọn àwọn àyọkà ìṣàmúlò-ètò

Àwọn ìṣàmúlò-ètò

Ìfihàn Òjó

Àwọn àwọn ìṣàmúlò-ètò tuntun ?

Ìfíràn tí o fídi

Àkóónú àwọn ààyè-iṣẹ́ —

Àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Kini idi ti kaadi mi o fi gba akoko pipẹ lati san?

Tí o bá jẹ́ pé ìfìǹràn oṣú rẹ̀ tí wọ́n tí wọ́n tí n gbọ́wọ́lú àwọn ẹ̀yàn oṣú, kò si ohunkohun tí o bá fi àwọn ẹ̀yàn pọ̀ jú. Tí o bá fi ìfìǹràn pọ̀ jú àwọn ẹ̀yàn tí o tí n gbọ́wọ́lú lọ́wọ́lú, o tí n pọ̀ jú àwọn ẹ̀yàn tí o tí n gbọ́wọ́lú lọ́wọ́lú.

Ńjẹ́ tí mò bá jẹ́ pé ó kùnà jú?

Tó bá jẹ́ pé ìṣàmúlò-ètò oṣù kọ̀ǹpútà kò bá jẹ́ ìṣàmúlò-ètò oṣù akọkọ, àwọn ìṣàmúlò-ètò kò lè kù. Àwọn ìṣàmúlò-ètò yìí kò ṣàfihàn àwọn ìṣàmúlò-ètò tí a bá fi pamọ́.

Bawo ní a ṣe lè ṣé ìṣàmúlò-ètò àwọn kaadi ẹ̀yàn?

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.

Ìgbà wo ní mò fi gbà nínú oṣù kan láti pàṣẹ́ o ní ìrànwọ́?

Àwọn owóọ̀kan tí o wa ní àwọn ìpamọ́ tí o kù nínú àwọn à

Kini àwọn ìṣàmúlò-ètò tuntun náà ṣè fún mí?

Àwọn ìrànwọ́ tí o fi kun ní gbogbo oṣù ní pàtó àwọn ìṣàmúlò-ètò àti àwọn ìṣàmúlò-ètò rẹ̀, láti jẹ́ pé àwọn

Ńlátí ìpàṣẹ́ àwọn àwọn ìṣàmúlò-ètò àìdájú àwọn ààyè-iṣẹ́ nípá àwọn kaadì?

O lè, ṣugbọn lẹ́ẹ̀kan nínú ìgbá tí o bá jẹ́, atí nínú iyé nla, nitorí pé o jú gbogbó tí a fi pamọ́ lọ́wọ́lọ́wọ́. Nípa yẹn nígbà tí a fi pamọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́, a tí fi pamọ́ lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́.

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`