Calculadora de pagamento de cartão de crédito
Veja quanto tempo levará para pagar seu cartão de crédito e quanto de juros você pagará. Compare estratégias para se livrar das dívidas mais rapidamente.
Seus detalhes
Livre-se das dívidas mais rapidamente
Insira os dados do seu cartão de crédito para ver quanto tempo levará para pagar e quanto você pagará de juros.
Pagamento Mensal
$0
Tempo de pagamento
0 mo
Juros totais
$0
Data de pagamento
--
Aviso de pagamentos mínimos
Equilíbrio ao longo do tempo
Detalhamento do pagamento
Compare estratégias de pagamento
| Estratégia | Pagamento | Meses | Juros totais |
|---|
Cronograma de Pagamento
| Data | Pagamento | Principal | Interesse | Equilíbrio |
|---|
Guia do usuário completo
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.
Como usar esta 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.
Compreendendo os gráficos
Balance over time shows how your balance decreases each month. Payment breakdown (doughnut) shows principal (what you borrowed) vs interest (cost of borrowing).
Notas importantes
- 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.