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• 比較基本還款與額外還款範例的清償期間和總利息。
• 初始值和額外還款金額都是範例，不能取代帳單所列的最低還款條件。
• 主要還款模型使用單張卡片的餘額與年利率；下方的多筆債務比較只依您輸入的債務與條件排序。
• 本頁可比較您輸入的假設性整合債務年利率與費用，但不會查詢或核實實際轉貸報價、費用或核准條件。
• 一次付清、分期付款或循環信用的實際利息與費用，請查閱發卡機構條款及帳單。
💳 信用卡還款計算機
依據您輸入的信用卡餘額、年利率及每月付款金額，估算清償所需時間與利息。
還清時間
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總付款
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總利息
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本金
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平均每月利息
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還款比較時應確認的事項
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⚠️ 免責聲明
初始值和比較付款金額都是範例。此月度簡化估算不包含發卡機構特定的計息方式、費用、逾期費或循環信用條款。實際條件請查看帳單及發卡機構說明。
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.