💳 信用卡還款計算機

依您輸入的信用卡帳單條款，估算清償信用卡債務所需時間、利息與還款總額。

請輸入發卡機構帳單所列的年利率（APR）、最低還款比例及最低還款金額。初始值為可編輯範例。

還清時間

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總利息 — 總付款金額 —

餘額變化

Multi-debt payoff strategy comparison

Compare fixed-payment snowball, avalanche, and a hypothetical consolidation loan without using current lender rates or recommending a product.

CNY

Debts to compare
Debt name	Balance	Annual interest rate (%)	Fixed minimum	Action

Total monthly debt budget Consolidation annual interest rate (%) Consolidation term (months) Fee financed into consolidation Plan start month

Scenario	Monthly outlay	Payoff	Total interest	Fees	Total paid

Scenario shown

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.