Phần hướng dẫn bên dưới chưa có bằng tiếng Việt nên được hiển thị bằng tiếng Anh. Bản thân máy tính đã được dịch đầy đủ.
Cách sử dụng máy tính này
- Choose whether you want to know the payoff time or the required monthly payment.
- Enter your current balance and the card's APR.
- Enter your planned monthly payment, or the number of months you want to be debt-free in.
- Compare the result with paying only the minimum to see how much interest you can save.
Công thức
Card interest is charged monthly at APR ÷ 12 on the balance. With a fixed payment P, the number of months is solved from the amortization formula. The minimum-payment comparison assumes the issuer requires interest plus 1% of the balance, with a $25 floor.
n = −ln(1 − r × B / P) / ln(1 + r), with r = APR / 12
Minimum payment ≈ max(interest + 1% × balance, 25)
Example
- Balance $6,000 at 22.9% APR, paying $250 a month: r ≈ 1.908% per month.
- First month's interest ≈ $114.50, so only about $135.50 reduces the balance.
- It takes about 33 months and roughly $2,200 in interest to pay off.
Câu hỏi thường gặp
Why do minimum payments take so long?
Minimum payments are set mostly to cover interest, so the balance falls very slowly. Paying a fixed, higher amount can save years and thousands in interest.
Should I transfer my balance?
A 0% balance transfer can save interest if you can repay within the promotional period. Remember to include the transfer fee, typically 3–5%.
Does this include new purchases?
No. The calculation assumes you stop using the card while paying it off.