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• 对比基础还款和额外还款示例的还清期限与总利息。
• 初始值和额外还款额均为示例，不能替代账单上的最低还款条件。
• 主要还款模型使用一张卡的余额和年利率；下方的多笔债务比较只按您输入的债务和条件排序。
• 本页可比较您输入的假设性债务整合年利率和费用，但不会查询或核实实际转贷报价、费用或审批条件。
• 一次性还清、分期还款或循环信贷的实际利息和费用，请查看发卡机构条款和账单。
💳 信用卡还款计算器
根据您输入的信用卡余额、年利率和月付款额，估算还清债务所需的时间和利息。
完全还款期限
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总还款额
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总利息
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本金
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月平均利息
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还款比较中应查看的内容
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⚠️ 免责声明
初始值和对比付款额均为示例。此月度简化估算不包括发卡机构特定的计息方法、费用、逾期费或循环信贷条款。实际条件请查看账单及发卡机构说明。
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.