I-Calculator ye-Debt Payoff
Linganisa izindlela ze-avalanche ne-snowball ukucisha izibopho eziningi ngokushesha.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Avalanche noma i-snowball — okuphi okuhle?
Indlela avalanche (highest APR yokuqala) njalo izindleko ezincane ezithakazelisayo futhi ihlanza izimali ezisheshayo mathematically. Indlela snowball (isilinganiso esincane yokuqala) izindleko kancane ngaphezulu kodwa inikeza phezulu ngokushesha ukuthi abantu abaningi bathola lula ukubopha.
Kungani izindleko ezingeziwe zibalulekile?
Imali encane yokukhokha ivame ukucatshangelwa kuqala, ngakho ukuqhubeka kushesha. Idola ngalinye elingeziwe lihamba ngokuqondile enhloko-dolobha kwimali engenayo eqokiwe, futhi uma imali engenayo idlule, imali egcwele ijikeleza kulandelayo - snowballing amandla akho omlilo.
Usebenza kanjani umqondo we-snowball wemali engenayo?
Uhlela izibopho kusuka esigabeni esincane kuya esikhulu, ukhokha ama-minimum kuwo wonke, bese ubeka idola ngalinye elincane. Uma lihlanzwa, ukukhokha kwayo kuxhumana no-minimum ku-minimum elandelayo, ngakho-ke inani elihlasela i-debt ngayinye likhula njengoba uhamba.
Usebenza kanjani umqondo wokuthi izimali zizodlula?
Uhlela ama-debt ngezinga lenzuzo, eliphakeme kuqala, ukhokha ama-minimum kuwo wonke amanye ama-debt futhi uqondisa imali engaphezulu ku-debit ephakeme kakhulu. Ngenxa yokuthi ibulala inzuzo ebiza kakhulu ngokushesha, i-avalanche isusa i-debit ephelele yenzuzo encane futhi ivame unyaka oncane.
Ingabe ukukhokha okuningi kusheshe kakhulu ukuxazulula izibopho zami?
Ukwengeza imali engenayo engaphezulu ngenyanga ithumela okuningi okuqondile ku-principal ku-debt e targeted futhi, nge-rollover effect, isheshisa yonke i-debt ngemuva kwayo - faka inani elihlukile elingeziwe ukubona amasonto agcinwe.
Ingabe ngizongeza okungaphezu kwezimali ezintathu?
Le calculator imodeli kuze kube izibopho ezintathu, okuyinto ifaka izindlu eziningi amakhadi credit kanye izibopho. Uma une ngaphezulu, iqembu efana-rate izilinganiso ndawonye noma ucabangele yakho ezintathu ezinkulu ukuhlela i payoff ukulandela.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.