Debt Payoff Calculator
Kuyerekeza avalanche ndi snowball njira kuchotsa deta zambiri mofulumira.
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
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.
Mafunso ofunsidwa nthawi zambiri
Avalanche kapena snowball - yomwe ndi yabwino?
Njira ya avalanche (yotsika kwambiri APR) nthawi zonse imawononga ndalama zochepa kwambiri ndipo imachotsa ngongole mofulumira kwambiri. Njira ya snowball (yotsika kwambiri ndalama) imawononga ndalama zochepa kwambiri koma imabweretsa ndalama zambiri zomwe anthu ambiri amapeza kuti ndi zosavuta kutsatira.
N’chifukwa chiyani ndalama zowonjezerazi ndi zofunika kwambiri?
Mtengo wotsika kwambiri ndi ndalama zazikulu zazikulu, ndipo izi zimachitika mofulumira. Kawirikawiri, ndalama zonse zowonjezera zimapita mozungulira ku kapitali pazofunikira, ndipo pamene ndalamazo zikuyenda, ndalama zonse zimayenda pazotsatira - zimapanga mphamvu yanu ya moto.
Kodi njira ya snowball ya ngongole imagwira ntchito bwanji?
Mumagula ndalama kuchokera ku balansi yaying'ono kupita ku yayikulu, mumalipiritsa ndalama zosakwanira pazosowa zonse, ndipo muika ndalama zonse zosafunikira pazosowa zazing'ono. Pomaliza, ndalama zake zimagwirizana ndi ndalama zosakwanira pazosowa zazing'ono, ndipo ndalama zosakwanira zimakula monga momwe mumakhalira.
Kodi njira yolipira ndalama imagwira ntchito bwanji?
Mumagula ndalama ndi ndalama za ngongole, zotsika kwambiri, kulipira ndalama zochepa kumapeto kwa mwezi ndi kutumiza ndalama zowonjezera ku ngongole yayikulu kwambiri. Popeza imawononga ndalama zotsika mtengo kwambiri, avalanche imachotsa ndalama zonse za ngongole za ndalama zochepa kwambiri komanso nthawi zambiri masiku ochepa.
Kodi ndalama zowonjezera zimathandiza bwanji kuti ndichepetse ngongole zanga?
Kuwonjezera ndalama zowonjezerapo pamwezi kumatumiza zambiri mosalekeza ku kapitali pazofunikira za ngongole ndi, pogwiritsa ntchito zotsatira za rollover, kufulumizitsa ndalama zonse pambuyo pake - gwiritsani ntchito ndalama zowonjezera zosiyanasiyana kuti mudziwe miyezi yopulumutsidwa.
Kodi ndingawonjezere ndalama zoposa zitatu?
Ngati muli ndi ndalama zambiri, mungathe kusonkhanitsa ndalama zofanana ndi ndalama zanu kapena kuganizira ndalama zitatu zochuluka kwambiri kuti mupange ndondomeko yolipira ndalamazo.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
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);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.