💳 Calcolatore di estinzione carta di credito
Stima il tempo necessario per rimborsare il debito della carta, gli interessi e l’importo totale rimborsato in base alle condizioni dell’estratto conto inserite.
Inserisci il tasso di interesse annuo, la percentuale di pagamento minimo e l’importo minimo riportati nell’estratto conto dell’emittente. I valori iniziali sono esempi modificabili.
Tempo di estinzione
—
Interessi totali —
Pagamento totale —
Saldo nel tempo
Multi-debt payoff strategy comparison
Compare fixed-payment snowball, avalanche, and a hypothetical consolidation loan without using current lender rates or recommending a product.
| Debt name | Balance | Annual interest rate (%) | Fixed minimum | Action |
|---|
Scenario comparison
| Scenario | Monthly outlay | Payoff | Total interest | Fees | Total paid |
|---|
Payoff order
Monthly schedule
| Month | Target | Payment | Interest | Balance after payment |
|---|
The on-screen table shows the first 24 months and final month. CSV export includes every simulated month.
Assumptions, worked example, and source
- The entered annual interest rate is treated as a nominal rate divided by 12, interest accrues monthly, no new purchases occur, and each minimum is a fixed amount rather than a lender-recalculated percentage. The rate excludes fees; any entered consolidation fee is financed separately.
- Snowball targets the lowest current balance; avalanche targets the highest entered annual interest rate. Both keep the same total monthly budget and roll freed payments to the next debt.
- Consolidation uses its own contractual payment for the entered term and finances the entered fee. It may have a different monthly outlay, so compare cash flow as well as total cost.
- No current lender rate or product recommendation is supplied. Eligibility, tax, credit-score effects, promotions, penalties, and changing minimums are outside this estimate.
- The default worked example uses three balances and one monthly budget. Replace every value with statement data; results are estimates, not credit or product advice.
Consumer authority debt reference for this country · Method reviewed 2026-07-30.