ऋण भुगतान कैलकुलेटर
स्नोबॉल और एवलांच रणनीतियों की तुलना करें, अतिरिक्त भुगतान जोड़ें और ऋण-मुक्त तिथि देखें
Your Debts
Payoff Strategy
त्वरित उदाहरण
Payoff Plan
Payoff Order
| # | Debt | Balance ($) | APR (%) | Payoff Month | Payoff Date |
|---|
हमने यह कैसे गणना की
Months to Debt-Free
अगर ऐसा होता?
प्रत्येक पंक्ति आपके वर्तमान इनपुट के साथ फिर से गणना की जाती है। लागू करने के लिए किसी पंक्ति पर टैप करें।
दो योजनाओं की तुलना करें
Enter your debts to build a payoff plan
Add at least one debt with a balance, APR and minimum payment above
Debt Payoff Calculator FAQ
Snowball or avalanche — which is better?
Avalanche always costs the least in interest because it attacks the highest-rate debt first. Snowball closes accounts sooner, which many people find motivating. Run both in the Compare table — if the interest difference is small, choose the one you will stick with.
How do extra payments cascade?
Your monthly budget is the sum of all minimums plus the extra amount. When a debt is paid off, its minimum is no longer needed there, so the whole budget keeps flowing into the remaining debts — the attack on the next target grows every time an account closes.
What if my minimum payment is smaller than the monthly interest?
That debt would grow forever. The calculator flags it — raise the extra payment or that minimum until the budget covers the interest and starts reducing the balance.