Máy tính thanh toán thẻ tín dụng

Calculate how long it will take to pay off your credit card debt and how much interest you'll pay. Get instant results with payoff timeline, schedule, and strategy comparison.

Thông tin chi tiết của bạn

Loại máy tính

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Để trống để tính toán chỉ với khoản thanh toán tối thiểu

Enter your balance, APR, and optional monthly payment (or add multiple cards and choose a strategy), then click Calculate Payoff to see your payoff assessment with detailed timeline and guidance.

Hướng dẫn sử dụng hoàn chỉnh

What is Credit Card Payoff?

Credit card payoff is the process of paying down your balance until you owe nothing. How long it takes and how much interest you pay depend on your balance, annual percentage rate (APR), and whether you pay only the minimum or a fixed amount each month. This calculator helps you see those numbers clearly.

Monthly interest = Balance × (APR ÷ 12) ÷ 100

You can model a single card (minimum payments only or a fixed monthly payment) or multiple cards using the avalanche (highest APR first) or snowball (lowest balance first) strategy. Results include payoff time, total interest, payoff date, and for single card a month-by-month schedule.

What Your Results Mean

Payoff Time (Months)

The number of months until your balance reaches zero. Paying more than the minimum each month reduces this and saves interest.

Tổng lãi

The total cost of borrowing—what you pay in interest over the life of the debt. Higher monthly payments and lower APR reduce this amount.

Avalanche vs Snowball

Avalanche (highest APR first) saves the most interest. Snowball (smallest balance first) pays off one card quickly and can boost motivation with early wins.

Cách sử dụng máy tính này

  1. Select Single Card or Multiple Cards
  2. Enter your current balance and APR (and optional fixed monthly payment for single card)
  3. For multiple cards: add each card with name, balance, APR, and minimum payment; choose Avalanche or Snowball; add any extra monthly payment
  4. Click 'Calculate Payoff' to see your results
  5. Review the payoff timeline, total interest, and payoff date
  6. For single card: review the payment schedule; for multiple cards: review the payoff order
  7. Read the comprehensive guide below for interpretation and tips

Hiểu kết quả của bạn

Payoff Timeline and Total Interest

Your payoff timeline shows how many months until the balance is zero. Total interest is the sum of all interest charges over that period. Paying more than the minimum shortens the timeline and reduces total interest.

Payment Schedule (Single Card)

A month-by-month breakdown of payment, principal, interest, and remaining balance. Use it to see how your balance shrinks over time and how much goes to interest each month.

Payoff Order (Multiple Cards)

The order in which each card is paid off and the month (and date) it reaches zero. Extra payment and freed minimums from paid-off cards roll to the next card in your chosen strategy order.

Công thức được sử dụng

The calculator uses the following to compute interest and minimum payments:

Monthly interest:

Balance × (APR ÷ 12) ÷ 100

Minimum payment (typical):

max($25, Balance × minimum %)

Payoff Strategies at a Glance

When paying off multiple cards, the order in which you target them affects total interest and motivation. This table summarizes the two common approaches.

Chiến lược Nó hoạt động như thế nào Best For
trận tuyết lởPay minimums on all; put extra toward highest APR firstSaving the most interest
Quả cầu tuyếtPay minimums on all; put extra toward smallest balance firstQuick wins and motivation

Ghi chú quan trọng

  • This calculator is for educational and informational purposes only. It is not a substitute for professional financial advice.
  • Results are estimates. Actual minimum payments and APRs can change. Always pay at least the minimum on time to avoid fees and protect your credit.
  • Paying more than the minimum each month significantly reduces interest and shortens payoff time.
  • If you are struggling with debt or want a personalized plan, consider consulting a credit counselor or financial advisor.

Cost of Carrying Credit Card Debt

Carrying a balance can lead to:

  • High interest charges over time
  • Longer time to become debt-free
  • Lower credit score if utilization is high
  • Less money available for savings or goals

Benefits of Paying Off Faster

Paying off credit card debt faster can:

  • Save hundreds or thousands in interest
  • Free up cash flow for other priorities
  • Improve your credit utilization and score
  • Reduce stress and build better money habits

Mẹo để trả hết nợ nhanh hơn

  • Pay more than the minimum whenever possible.
  • Use the avalanche method to save the most interest, or snowball for early wins.
  • Stop using cards while paying them off to avoid new debt.
  • Use windfalls (tax refund, bonus) for extra payments.
  • Consider a 0% balance transfer for high-APR cards if you can pay off within the promo period.

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