I-Calculator yeNtlawulo yeNtlawulo
Uthelekiso lwendlela yomlilo kunye nebhola yekhephu ukucoca iindleko ezininzi ngokukhawuleza.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
I-lavance okanye i-snowball - yintoni engcono?
Inkqubo ye-avalanche (i-APR ephezulu kuqala) ihlala ibiza iindleko ezincinci kwaye isusa ityala ngokukhawuleza ngokwezibalo. Inkqubo ye-snowball (i-balance encinci kuqala) ibiza iindleko ezincinci kodwa inikezela ngeenzuzo ezikhawulezayo abantu abaninzi baziva kunzima ukuqhubeka nayo.
Kutheni le nto iindleko ezingaphezulu zibalulekile?
Iindleko ezincinci ziimali-mboleko eziqala kuqala, ngoko ke inkqubela phambili ihamba phantsi. Idola nganye engaphezulu ihamba ngqo kwisiseko setyala elimiselweyo, xa eli tyala liphelile ityala lonke lihamba kwixesha elilandelayo - likhupha i-snowballs kwingxolo yakho.
Isebenza njani indlela yobuxoki obunobukho be-snowball?
Ubeka iindleko ukusuka kwimali encinci ukuya kwimali enkulu, uhlawule iindleko eziphantsi kuzo zonke, ubeke iidola ezincinci ezincinci. Xa igqiba, iindleko zayo zidibanisa neendleko eziphantsi kwiindleko eziphantsi ezilandelayo, ngoko inani elihlasele iindleko nganye likhula njengoko uhamba.
Isebenza njani indlela yokungazinzi kwetyala?
Ubeka iindleko ngokomyinge wenzala, ophezulu kuqala, uhlawula okuncinci kuwo onke amacala kwaye ubeke imali eninzi kwiindleko eziphezulu. Kuba ibulala iindleko ezibiza kakhulu ngokukhawuleza, i-avalanche isusa iindleko ezipheleleyo zeendleko ezincinci kwaye ihlala iinyanga ezincinci.
Iindleko ezingaphezulu zikhawulezisa kangakanani ukugqiba iindleko zam?
Ukukhupha iindleko zonyaka ezingaphezulu kuzisa ixabiso eliphambili kwityala elimiselweyo kwaye, ngokubhekisele kwimiphumo yokujikeleza, kukhawulezisa ityala ngalinye emva kwayo - faka iindleko ezingaphezulu ezahlukeneyo ukuze ubone iinyanga ezikhuselweyo.
Ndingazidibanisa njani iindleko ezingaphezulu kwee-3?
Le khadi lisebenzisa imodeli yeentlawulo ezisithathu, eziquka ikhadi letyala kunye nemali-mboleko yasekhaya. Ukuba uneentlawulo ezininzi, dibanisa iinzala ezifanayo okanye ujonge ezi zithathu zikhulu ukuze ucwangcise ulawulo lokubuyisa.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.