Le guide ci-dessous n'est pas encore disponible en français et s'affiche en anglais. Le calculateur lui-même est entièrement traduit.
Comment utiliser ce calculateur
- Enter up to four debts with their balance, APR and minimum monthly payment. Leave unused rows at 0.
- Enter how much extra you can pay each month on top of the minimums.
- Choose a strategy. Avalanche minimizes interest; snowball pays off small debts first for quick wins.
- Review the payoff order and the debt balance chart.
Formule
The plan is simulated month by month. Interest accrues on each debt at APR ÷ 12, every debt receives its minimum, and the extra amount goes to the target debt. When a debt is paid off, its minimum payment rolls over to the next target, which is what makes the snowball or avalanche accelerate.
Monthly budget = Σ minimum payments + extra
Target = highest APR (avalanche) or smallest balance (snowball)
Questions fréquentes
Avalanche or snowball, which is better?
Avalanche always costs the same or less in interest. Snowball can be more motivating because you eliminate individual debts sooner. The best method is the one you'll stick to.
What if a debt's minimum is less than its interest?
That debt would never be repaid on minimums alone. The extra payment or rolled-over minimums must cover it, or the calculator will report that the plan doesn't pay off the debt.
Does this include new borrowing?
No. It assumes balances don't increase from new spending while you follow the plan.