Calculateur de remboursement carte
Credit card debt at 20–25% APR is among the most expensive debt you can carry. The minimum payment trap is real: paying only minimums on a $5,000 balance at 22% APR takes 17 years and costs $5,500 in interest — more than the original debt. Our payoff calculator shows how much faster you can pay off debt with extra payments and exactly how much interest you save.
Délai de remboursement
À propos de Credit Card Payoff Calculator
Credit card debt at 20–25% APR is among the most expensive debt you can carry. The minimum payment trap is real: paying only minimums on a $5,000 balance at 22% APR takes 17 years and costs $5,500 in interest — more than the original debt. Our payoff calculator shows how much faster you can pay off debt with extra payments and exactly how much interest you save.
Comment l'utiliser
- Enter the current balance, APR, and minimum payment (or minimum payment formula).
- Enter any extra monthly amount you can pay above the minimum.
- See months to payoff, total interest, and savings from the extra payment.
- Use the "snowball" mode to enter multiple cards and see the optimal payoff order.
Formule et méthodologie
Minimum payment interest: each month, interest = Balance × (APR/12). Min payment covers interest first, then principal. Time to payoff with fixed payment P: n = −ln(1 − Balance × r/P) / ln(1+r), where r = APR/12.
Cas d'usage courants
- Finding out how long it takes to pay off a specific balance
- Deciding between paying extra vs investing the extra cash
- Comparing balance transfer offers (lower APR vs transfer fee)
- Planning a debt-free date and working backwards to the required payment
- Motivating debt payoff by seeing the total interest saved
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