Debt Payoff Calculator

Unogona kuongorora nzira dzezvimwe zvirwere uye nzira dzesnowball kuti uone kuti ndedzipi nzira dzinokurumidza kubvisa zvirwere.

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Time to debt-free —
Total interest —
Total paid —

Zvinyorwa zvinogadziridzwa paunenge uchinyora.

Did this calculator give you the right answer?

Nezve iyi kalkulator

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.

Zvimwe zvinobvunzwa zvakanyanya

Avalanche kana snowball - iyo iri nani?

Avalanche method (highest APR first) inowanzoda mari shoma uye inobvisa mari yacho nekukurumidza. Snowball method (smallest balance first) inoita mari yakawanda asi inowana mari yakawanda yacho. Kunyangwe ichiita kuti zvive nyore kubvisa mari, inowanzoda nguva yakareba kuti iite.

Nei ichi chikuru chikwereti chinhu zvikuru zvikuru?

Minimum mari kubhadharwa zvikuru kufarira pakutanga, saka kubudirira ndiro rakanaka. Every extra dollar goes straight to principal on the target debt, and once that debt is gone its whole payment rolls onto the next — snowballing your firepower.

Maitiro ekuita sei kubhadhara kwechikwereti?

Unogona kukumbira zvikwereti kubva kune yakakura kwazvo kusvika kune yakakura, kubhadhara mari shoma pane zvese, uye kuisa chero mari shoma pane yakakura. Kana ichigadziriswa, mari yake inoungana nemari shoma pane yakakura, saka mari inouraya chero chikwereti inokura sezvaunenge uchienda.

Maitiro ekuita sei nzira yezvikwereti zvezvikwereti?

Unogona kukumbira zvikwereti nemari yemutero, yakanyanya kumusoro, kubhadharisa minimums chero kupi uye kutungamira mari yekuwedzera kune iyo yepamusoro-soro mari yemutero. Nekudaro, nekuda kwekuti inouraya iyo yakanyanya kukosha mari yemutero, avalanche inobvisa mari yemutero yose yemari yemutero wakaderera uye kazhinji yemwedzi mishoma.

Nzira yakareba sei yakanyanya kubhadharwa inobvisa zvikwereti zvangu?

Kukwira kwemari yemwedzi inowedzera inotumira zvishoma nezvishoma mari yemari uye, kuburikidza nemhedzisiro yekudzokorora, inowedzera nguva yekubhadhara mari yemari yemari mushure mekunge - nyora zvishoma nezvishoma zvishoma nezvishoma kuti uone mwedzi yaunochengeta.

Ndinogona here kuisa zvikwereti zvinopfuura zvitatu?

Kana iwe uchida kuisa mari mumari yako, shandisa chirongwa chekubhadhara mari. Kana iwe uchida kuisa mari mumari yako, shandisa chirongwa chekubhadhara mari. Kana iwe uchida kuisa mari mumari yako, shandisa chirongwa chekubhadhara mari.

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API — kushandisa iyi kalkulator kubva code

Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →

Endpoint

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);

Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.