💳 クレジットカード返済計算機

入力したカード残高、年利、毎月の支払額に基づき、完済までの期間と利息を試算します。

完全返済期間

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総支払額

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総利息

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元金

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月平均利息

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ガイド

返済比較で確認したい点

• 基本の支払額と追加支払額の例について、完済までの期間と利息総額を比較してください。
• 初期値と追加支払額は例であり、カード明細に記載された最低支払条件に代わるものではありません。
• この基本返済モデルは1枚のカード残高と年率を使います。下の複数債務比較では、入力した債務と条件だけを順位付けします。
• 入力した仮定の一本化後の年率と手数料は比較できますが、実際の借換え条件、手数料、審査条件を取得または確認することはありません。
• 一括払い、分割払い、リボ払いの実際の利息や手数料は、発行会社の条件と明細で確認してください。

⚠️ 注意事項

初期値と比較用の支払額は例です。この月単位の試算には、発行会社ごとの利息計算方法、手数料、延滞料、リボ払い条件は含まれません。実際の条件はカード明細と発行会社の案内で確認してください。

Multi-debt payoff strategy comparison

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

KRW

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 comparison

Scenario	Monthly outlay	Payoff	Total interest	Fees	Total paid

Payoff order

Monthly schedule

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.

Consumer authority debt reference for this country · Method reviewed 2026-07-30.