Kutozwa Hesabu kwa Deni
Linganisha maporomoko ya theluji na njia za kuondoa madeni mengi haraka zaidi.
Matokeo yanakuwa bora zaidi unapochapa.
Kuhusu kifaa hiki cha kupigia hesabu
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.
Maswali yaliyoulizwa mara nyingi
Avalanche au tufe la theluji riziki ambalo ni bora?
Njia ya maporomoko ya theluji (ya juu zaidi ya APR kwanza) sikuzote hugharimu deni dogo sana na huondoa deni haraka sana kihisabati.
Kwa nini malipo ya ziada ni muhimu sana?
Minimum payments are mostly interest early on, so progress is slow. 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.
Njia ya madeni ya kuteleza juu ya theluji hufanyaje kazi?
Unaagiza madeni kutoka kwa usawaziko mdogo zaidi hadi makubwa zaidi, yanalipa kiasi kidogo zaidi cha fedha, na kuweka kila dola ya ziada kwa wadogo zaidi. inapoondoa, malipo yake hulingana na kiasi kidogo zaidi cha mapato, kwa hiyo kiasi cha kushambuliwa kila deni huongezeka unapokwenda.
Njia ya madeni ya jinsi gani?
Unaagiza madeni kwa kiwango cha riba cha juu zaidi, kulipa kiasi kidogo cha fedha kila mahali na kuelekeza fedha za ziada kwa deni la juu zaidi. kwa sababu yanaua riba ya bei ghali zaidi karibuni zaidi, maporomoko ya theluji huondoa deni la jumla kwa ajili ya riba ndogo zaidi na kwa kawaida miezi michache zaidi.
Mshahara wa ziada huondoa madeni yangu haraka kadiri gani?
Kuidai malipo ya ziada kwa kila mwezi huwasilisha moja kwa moja kwenye deni la mtu anayelengwa na, kwa njia ya matokeo ya makosa, huongeza deni kila mara baada ya kutoa kiasi tofauti cha ziada ili kuona miezi ikiokolewa.
Je, ninaweza kuongeza zaidi ya madeni matatu?
This calculator models up to three debts, which covers most households’ credit cards and loans. If you have more, group similar-rate balances together or focus on your three largest to plan the payoff order.
API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria
Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →
keyboard label
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);Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.