Kalkulator Pembayaran Hutang
Bandingkan kaedah banjir dan bola salji untuk membuang hutang berganda lebih cepat.
Hasil dikemaskini semasa anda menaip.
Perihal kalkulator ini
you have a debt, you can use the avalanche method to clear it. The avalanche method is a simple, easy-to-use calculator that calculates the amount of interest you will pay on your debt, and the amount of interest you will pay on your loan. The avalanche method is a simple, easy-to-use calculator that calculates the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan. The avalanche method is a simple, easy-to-use calculator that calculates the amount of interest you will pay on your loan.Use it to calculate the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan. The avalanche method is a simple, easy-to-use calculator that calculates the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan.Use it to calculate the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan.Use it to calculate the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan.Use it to calculate the amount of interest you will pay on your loan, and the amount of interest you will pay on your loan, and the amount of interest you will pay on your
Pertanyaan yang kerap ditanya
Hujan lebat atau bola salji - mana yang lebih baik?
Kaedah avalanche (APR tertinggi pertama) selalunya kos faedah terendah dan membersihkan hutang paling cepat secara matematik. Kaedah bola salji (saldo terendah pertama) kos sedikit lebih tetapi memberikan kemenangan cepat yang ramai orang rasa lebih mudah untuk teruskan.
Kenapa bayaran tambahan itu penting begitu banyak?
Pembayaran minimum kebanyakannya adalah faedah awal, jadi kemajuan adalah perlahan. Setiap dolar tambahan pergi terus ke utama pada hutang sasaran, dan apabila hutang itu hilang semua pembayarannya berputar ke yang seterusnya - snowballing kekuatan senjata anda.
Bagaimana cara hutang bola salji berfungsi?
Anda menguruskan hutang dari saldo terkecil ke yang terbesar, membayar minimum pada semua mereka, dan meletakkan setiap dolar simpanan pada yang paling kecil. Apabila ia dikeluarkan, pembayarannya menyertai minimum pada yang paling kecil seterusnya, jadi jumlah menyerang setiap hutang meningkat apabila anda pergi.
Bagaimanakah cara hutang yang bergelora berfungsi?
Anda menguruskan hutang mengikut kadar faedah, tertinggi pertama, membayar minimum di mana-mana dan mengarahkan wang tambahan kepada hutang kadar faedah tertinggi. Kerana ia membunuh faedah paling mahal lebih awal, Avalanche membersihkan hutang keseluruhan untuk faedah yang paling rendah dan biasanya bulan yang paling sedikit.
Berapa cepat bayaran tambahan akan bersihkan hutang saya?
Banyak, kerana minimum kebanyakannya adalah faedah awal. Meningkatkan bayaran bulanan tambahan menghantar lebih langsung ke utama pada hutang sasaran dan, melalui kesan rollover, mempercepatkan setiap hutang selepas itu - masukkan jumlah tambahan yang berbeza untuk melihat bulan yang disimpan.
Boleh saya tambah lebih dari tiga hutang?
Kalkulator ini memodelkan sehingga tiga hutang, yang meliputi kebanyakan kad kredit dan pinjaman rumah tangga. Jika anda mempunyai lebih, kumpulankan baki kadar yang sama bersama-sama atau fokus pada tiga yang terbesar untuk merancang arahan bayaran.
API — gunakan kalkulator ini dari kod
Panggil kalkulator ini sebagai titik akhir JSON percuma - tiada kekunci diperlukan. Hantar nilai medan di bawah sebagai parameter pertanyaan atau JSON. Baca dokumen API penuh →
Titik Akhir
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);Hasil adalah perkiraan untuk panduan umum sahaja, bukan nasihat kewangan, perubatan atau cukai.