Àwọn

Fi àwọn ìṣàmúlò-ètò alawọ́dádé àti àwọn ìṣàmúlò-ètò àwọn

Àwọn Ìṣàmúlò-ètò

Ìfípamọ́ àwọn ìṣàmúlò-ètò

Debt 1 balance

Debt 1 APR

Debt 1 minimum

Debt 2 balance

Debt 2 APR

Debt 2 minimum

Debt 3 balance

Debt 3 APR

Debt 3 minimum

Àwọn ààyè-iṣẹ́ —

Àwọn ìṣàmúlò-ètò —

Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò

Ńlà àwọn àwọn ààtò àtòjọ-ẹ̀yàn yìí?

Àkóónú ìṣàmúlò-ètò yìí

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.

Àwọn Àtòjọ-ẹ̀yàn

Avalanche tabi snowball — eyi ní o dara jù?

The avalanche method (highest APR first) always costs the least interest and clears debt fastest mathematically. The snowball method (smallest balance first) costs a little more but delivers quick wins that many people find easier to stick with.

Kini idi ti o fi jẹ pe owo-ori ti o ku ni o ṣe pataki?

Àwọn ìṣàmúlò-ètò ìpele kejì nípa ìdáràn nípa ìbẹrẹ, bẹ́ẹ̀ ìjánu-ìjánú nípa ìjánu-ìjánú. Àwọn dola gbogbo tí a fi kuń nípa àwọn

Bawo ni a ṣe n ṣiṣẹ ọna ti a n pe ni snowball?

You order debts from smallest balance to largest, pay minimums on all of them, and put every spare dollar on the smallest. When it clears, its payment joins the minimum on the next-smallest, so the amount attacking each debt grows as you go.

Bawo ni a ṣe n ṣiṣẹ ọna ti a n pe ni "debt avalanche"?

Ò fi àwọn ẹ̀yàn pamọ́ láti inú àwọn ìṣàmúlò-ètò àwọn ìṣàmúlò-ètò, tí o gàjú ní akọkọ, tí o fi àwọn àwọn ìṣàmúlò-ètò kékerè lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́, tí o si fi àwọn àwọn ìṣàmúlò-ètò tí o gàjú jù lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́.

Ìgbà wo nínú ìṣàmúlò-ètò náà nínú àwọn

Ó fẹrẹ̀ jẹ́ pé, nitorí pé àwọn ìsàlẹ̀-ilà tí o gàjú jú nínú ìṣàfarawé. Ìgbàdúró àwọn ìṣàmúlò-ètò tí a fi pamọ́ lójútó àwọn à

Ń lè fi àwọn àwọn ìṣàmúlò-ètò mìíràn sípò?

Ìṣàmúlò-ètò yìí náà ní àwọn módèlè̀ lọ́wọ́lọ́wọ́, tí a fi pamọ́ sí àwọn kaadí ẹ̀yàn-ìtàn àti àwọn ilé-ìtàn. Tí o bá ní diẹ̀ sii, fi àwọn àwọn ìtàn-ìtàn tí a tí wa ní pàtó pọ̀lù àwọn

API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò

Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

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.

Àkóónú ìṣàmúlò-ètò yìí

Àwọn Àtòjọ-ẹ̀yàn

Àwọn Ìṣàmúlò-ètò Ìṣàmúlò-ètò

Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò

curl

JavaScript fetch()

JavaScript `fetch()`