債務清償計算器
比較雪球法與雪崩法還款策略，設定額外還款並查看無債日
Your Debts
Payoff Strategy
快速示例
Payoff Plan
Payoff Order
| # | Debt | Balance ($) | APR (%) | Payoff Month | Payoff Date |
|---|
計算過程
Months to Debt-Free
如果……呢？
每一行都基於你目前的輸入重新計算，點擊一行即可套用該方案。
比較兩個方案
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.