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눈덩이 vs 눈사태 전략을 비교하고 추가 상환을 설정해 무부채 날짜 확인
Your Debts
Payoff Strategy
빠른 예시
Payoff Plan
Payoff Order
| # | Debt | Balance ($) | APR (%) | Payoff Month | Payoff Date |
|---|
계산 방법
Months to Debt-Free
만약에?
각 행은 현재 입력값으로 다시 계산됩니다. 행을 탭하면 적용됩니다.
두 가지 계획 비교
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.