Calculadora de pagaments amb targeta de crèdit
Vegeu quant de temps trigarà a pagar la vostra targeta de crèdit i quants interessos pagareu. Compareu estratègies per alliberar-vos de deutes més ràpidament.
Els teus detalls
Aconsegueix sense deutes més ràpidament
Introduïu les dades de la vostra targeta de crèdit per veure quant de temps trigarà a pagar i quant pagareu en interessos.
Pagament mensual
$0
Temps de pagament
0 mo
Interès total
$0
Data de pagament
--
Avís de pagaments mínims
Equilibri amb el temps
Desglossament de pagament
Compara estratègies de pagament
| Estratègia | Pagament | Mesos | Interès total |
|---|
Calendari de pagament
| Data | Pagament | Principal | Interès | Balanç |
|---|
Guia d'usuari completa
What is the Credit Card Payoff Calculator?
This calculator shows how long it will take to pay off your credit card and how much interest you'll pay. You can choose: pay a fixed amount monthly, pay off in a specific number of months, or see the impact of minimum payments only. Results include a balance-over-time chart, principal vs interest breakdown, strategy comparison, and payment schedule.
Key Metrics
Payoff time
Months until balance is zero. Higher payments reduce this.
Total interest
Total cost of borrowing. Paying more than the minimum reduces it.
Strategy comparison
Compare minimum payment, fixed payment, double minimum, and 12- or 24-month payoff.
Com utilitzar aquesta calculadora
- Enter current balance and APR from your statement.
- Choose: fixed monthly amount, target payoff months, or minimum payment impact.
- Enter the amount or months as needed, then click Calculate.
- Review payoff time, total interest, charts, strategy comparison, and schedule.
Comprensió dels gràfics
Balance over time shows how your balance decreases each month. Payment breakdown (doughnut) shows principal (what you borrowed) vs interest (cost of borrowing).
Notes importants
- Results are estimates. Minimum payments and APRs can change. Always pay at least the minimum on time.
- Minimum payments are designed to maximize interest for the card issuer; paying more saves you money.
- APR is the annual rate; we divide by 12 for monthly interest. Find it on your statement or online account.