Deynta Payoff Calculator
Ku barbardhigi hababka daad iyo snowball si ay u caddeeyaan deynta badan oo dhaqso ah.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Avalanche ama Snowball - kaas oo ka fiican?
Habka roobab ( APR ugu sarreeya ee hore) waa in si joogto ah u bixiyaan faa'iidada ugu yar iyo qarsoodi ugu dhaqsaha badan xisaab ahaan. Habka Snowball (qaybta ugu yar ee hore) ku kacaya wax yar oo ka badan laakiin wuxuu bixiyaa guulo degdeg ah in dad badani ay ka heli fudud in ay ku xidhmaan.
Maxaa ka dhigaya lacag dheeraad ah muhiim aad u badan?
Lacagta ugu yar ee la bixiyo waa in badan oo ka mid ah dakhliga hore, sidaas darteed horumarka waa mid xawli ah. Dollar kasta oo dheeraad ah si toos ah u galaya aasaasiga ah ee deynta la doonayo, iyo marka deynta la tagay oo dhan lacagtiisa ku wareegsan on next - snowballing xoogga aad.
Sidee buu habka deynta Snowball shaqeeyaa?
Waxaad amar deyn ka mid ah miisaaniyadda ugu yar ee ugu weyn, bixiyaan minimums on iyaga oo dhan, oo ku shub dollar kasta oo dheeraad ah ee ugu yar. Marka ay caddayn, lacagta ay la mid tahay ugu yaraan on next-ugu yar, sidaas daraaddeed, lacagta weerarka deynta kasta oo kor u sida aad u socoto.
Sidee buu habka debt avalanche shaqeeyaa?
Waxaad amar deymaha by heerka faa'iido, ugu sarreeya ee hore, bixiyo minimums meel kasta oo ku socda lacag dheeraad ah si ay deynta ugu sarreeya-dhimista. Sababtoo ah waxay dishay faa'iido ugu qaalisan ugu dhaqsaha badan, dabaysha ka saaraa deynta guud ee faa'iido ugu yar iyo caadi ahaan bilood yar.
Sidee ayey u dhaqso badan tahay in la bixiyo lacag dheeraad ah si loo saaro deyntayda?
A lot, because minimums are mostly interest early on. Raising the extra monthly payment sends more straight to principal on the target debt and, via the rollover effect, accelerates every debt after it — enter different extra amounts to see the months saved.
Ma ku dari karaa in ka badan saddex deyn?
Kalkulatorkan qaabab ilaa saddex deyn, oo ka mid ah kuwa ka mid ah guryaha ugu badan ee kaarka deynta iyo deymaha. Haddii aad leedahay in ka badan, koox ka mid ah-dhibcaha miisaaniyada oo isku mid ah oo la wadaago ama ku dadaal saddexda ugu weyn ee aad u qorsheeyaan order payoff.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.