クレジットカードの支払い計算ツール
クレジットカードの返済にどれくらいの時間がかかるか、支払う利息はいくらになるかを確認します。より早く借金をなくすための戦略を比較してください。
あなたの詳細
より早く借金をなくす
クレジット カードの詳細を入力すると、完済までにかかる時間と利息がいくらかかるかを確認できます。
月々のお支払い
$0
ペイオフタイム
0 mo
総利息
$0
支払い日
--
最低支払額に関する警告
時間の経過に伴うバランス
お支払いの内訳
支払い戦略を比較する
| 戦略 | 支払い | 月 | 総利息 |
|---|
支払いスケジュール
| 日付 | 支払い | 主要 | 興味 | バランス |
|---|
完全なユーザーガイド
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.
この計算機の使い方
- 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.
チャートを理解する
Balance over time shows how your balance decreases each month. Payment breakdown (doughnut) shows principal (what you borrowed) vs interest (cost of borrowing).
重要な注意事項
- 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.