Calculadora de pagamento de dívidas
Find out when you'll be debt-free and how extra payments can save you money and time.
Seus detalhes
Planeje sua liberdade de dívida
Enter your debt balance, interest rate, and monthly payment. Add an optional extra payment to see how much time and interest you can save.
Livre de dívidas por
-
0 meses (0 anos)
Juros totais
$0
Total pago
$0
Tempo economizado
0 mo
Juros salvos
$0
Detalhamento do custo total
Cenários de pagamento extras
| Extra | Tempo | Salvo |
|---|
Cronograma de Pagamento
| Data | Pagamento | Principal | Interesse | Equilíbrio |
|---|
Guia do usuário completo
What is the Debt Payoff Calculator?
This calculator estimates when you will pay off a single debt and how much interest you will pay. Enter your current balance, annual interest rate, and monthly payment. Add an optional extra payment to see how much faster you can become debt-free and how much interest you can save.
Results include your payoff date, total interest, total amount paid, time and interest saved with extra payments, a principal vs. interest breakdown chart, extra-payment scenarios (e.g. +$50, +$100), and a payment schedule for the first few years.
Key Metrics
Livre de dívidas por
The month and year your balance reaches zero if you make the payments you entered (including any extra).
Juros totais
The total cost of borrowing. Extra payments reduce both the payoff time and this amount.
Time Saved / Interest Saved
Compared to paying only the base monthly payment (no extra). Shows how many months sooner you finish and how much less interest you pay.
Como usar esta calculadora
- Enter your current debt balance (e.g. credit card or loan balance).
- Enter the annual interest rate (APR) and your planned monthly payment.
- Optionally enter an extra monthly payment to see accelerated payoff and savings.
- Click Calculate Payoff to see payoff date, total interest, savings, breakdown chart, scenarios, and schedule.
Compreendendo seus resultados
Payment must exceed interest
Your monthly payment must be greater than the first month's interest; otherwise the balance would never decrease. If you see this error, increase your payment or consider consolidating or refinancing to a lower rate.
Extra payment scenarios
The table shows how adding $0, $50, $100, $200, $300, or $500 extra per month changes payoff time and interest saved. Your chosen extra (if any) is highlighted.
Understanding the Chart
Total cost breakdown: The doughnut chart shows how much of your total paid amount goes to principal (the debt) versus interest (the cost of borrowing).
Notas importantes
- Results are estimates. Actual payoff depends on making the payments you entered; minimum payments or rates can change on some debts.
- For multiple debts, use the avalanche (highest rate first) or snowball (smallest balance first) method; this calculator models one debt at a time.
- Even a small extra payment (e.g. $25–50/month) can significantly reduce interest and time to payoff.