💳 Máy tính trả nợ thẻ tín dụng
Ước tính thời gian trả hết nợ thẻ tín dụng, tiền lãi và tổng số tiền phải trả dựa trên điều khoản sao kê thẻ bạn nhập.
Nhập APR, tỷ lệ thanh toán tối thiểu và số tiền thanh toán tối thiểu ghi trên sao kê của tổ chức phát hành thẻ. Giá trị ban đầu là ví dụ có thể chỉnh sửa.
Thời gian trả hết nợ
—
Tổng lãi —
Tổng thanh toán —
Số dư theo thời gian
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.