Calculator
Kpọtụla ụzọ avalanche na snowball iji wepụ ndebanye ndị dị iche iche n'ụzọ dị ngwa.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
This debt payoff calculator plans how to clear several debts at once using either the avalanche method (target the highest interest rate first) or the snowball method (target the smallest balance first). You pay the minimum on every debt and throw any extra payment at the current target; when a debt is cleared, its whole payment rolls onto the next one.
It simulates the plan month by month, charging interest and applying payments until every balance hits zero, then reports the months to debt-free, the total interest, and the order debts fall. For example, with a 5,000 card at 22%, a 12,000 loan at 7% and a 3,000 debt at 15%, the avalanche method attacks the 22% card first because it bleeds the most interest, while snowball would clear the 3,000 balance first for an early win.
Use it to choose a strategy, to see how much sooner an extra monthly payment makes you debt-free, and to compare the interest cost of avalanche versus snowball. Avalanche always costs the least mathematically; snowball trades a little extra interest for motivating quick wins.
Ajụjụ ndị a na-ajụkarị
Avalanche mọọbụ snowball - nke ọbụla dị mma?
The avalanche ụzọ (elu APR mbụ) na-aga na-akwụ ụgwọ na-adịghị ala ala interest na-emechi ego na-aga n'ihu mathematically. The snowball ụzọ (n'okpuru ego mbụ) na-akwụ ụgwọ a obere karịa ma na-enye ngwa ngwa wins na ọtụtụ ndị mmadụ na-ahụ mfe iji kwụsị na.
Gịnị mere ego ego na-abawanye?
Minimum ụgwọ bụ n'ozuzu n'ọnụ ego na-amalite, ya mere, na-aga n'ihu bụ a bit slow. Every extra dollar na-aga n'ihu na-abịa
Olee otú ụzọ nkwụghachi ụgwọ snowball si arụ ọrụ?
I na-eziga ego n'ime ego n'ime ego n'ime ego, na-akwụ ụgwọ n'ime ego n'ime ha niile, na-echekwa ego n'ime ego n'ime ego. Mgbe ọ na-emechi, ego ya na-abanye n'ime ego n'ime ego na-esonụ, ya mere ego na-adọba ego n'ime ego na-eto mgbe ị na-aga.
Olee otú ụzọ nkwụghachi ụgwọ avalanche si arụ ọrụ?
You họrọ ndebanye site na ego ego, elu mbụ, na-akwụ ụgwọ minimums ebe ọ bụla na-ahazi ego ọzọ na elu-ihe ego ego. N'ihi na ọ na-anwụ ndị kasị ọnụ ahịa ego ego n'oge na-adịghị anya, avalanche na-emechi ndebanye niile maka ego ala na mgbe niile ọnwa na-adịghị.
Olee otú ịkwụ ụgwọ ọzọ ga-esi wepụ ego m?
A ọtụtụ, n'ihi na minimums bụ n'ozuzu uru na-amalite na. Na-ebuli na-akwụ ụgwọ ọnwa ọzọ na-eziga ka ukwuu n'ụzọ ziri ezi ka principal na-atụ anya ego na, site na rollover mmetụta, na-amụba ego niile mgbe ya - tinye dị iche iche ego ọzọ iji hụ ọnwa echekwara.
Enwere m ike ịgbakwunye karịa ndebanye atọ?
Nke a calculator models ruo atọ debits, nke na-ekpuchi ọtụtụ ụlọ ọrụ' credit kaadị na ego. Ọ bụrụ na ị nwere karịa, grouping dị ka-ọnụ ọgụgụ ego n'otu ma ọ bụ na-eche na gị atọ kasị ukwuu iji hụ na payoff iwu.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/debt-payoff/curl
curl "https://calculator.free/api/v1/debt-payoff/?mode=avalanche&extra=200&bal1=5000&apr1=22&min1=100"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/debt-payoff/?" + new URLSearchParams({
"mode": "avalanche",
"extra": "200",
"bal1": "5000",
"apr1": "22",
"min1": "100"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.