債務返済計算機
スノーボール法とアバランチ法を比較し、繰上返済を設定して完済日を確認
Your Debts
Payoff Strategy
使用例
Payoff Plan
Payoff Order
| # | Debt | Balance ($) | APR (%) | Payoff Month | Payoff Date |
|---|
計算方法
Months to Debt-Free
もし…だったら？
各行は現在の入力値で再計算されます。行をタップすると適用されます。
2つのプランを比較
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.