Calcolatore del profitto della carta di credito
Scopri quanto tempo ci vorrà per saldare la tua carta di credito e quanti interessi pagherai. Confronta le strategie per liberarti dai debiti più velocemente.
I tuoi dettagli
Liberati dai debiti più velocemente
Inserisci i dettagli della tua carta di credito per vedere quanto tempo ci vorrà per saldare e quanto pagherai in interessi.
Pagamento mensile
$0
Tempo di ricompensa
0 mo
Interesse totale
$0
Data di pagamento
--
Avviso di pagamenti minimi
Equilibrio nel tempo
Ripartizione dei pagamenti
Confronta le strategie di pagamento
| Strategia | Pagamento | Mesi | Interesse totale |
|---|
Programma di pagamento
| Data | Pagamento | Principale | Interesse | Bilancia |
|---|
Guida per l'utente 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.
Come utilizzare questa calcolatrice
- 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.
Comprendere i grafici
Balance over time shows how your balance decreases each month. Payment breakdown (doughnut) shows principal (what you borrowed) vs interest (cost of borrowing).
Note importanti
- 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.