债务偿还计算器
免费债务偿还计算工具。对比雪崩法和雪球法。查看总利息、偿还期限及额外付款能节省多少。
Your Debts
¥
%
¥
¥
%
¥
¥
%
¥
¥
%
¥
¥
4.5 years
54 months
¥5,922
¥0
vs minimum payments
0.0 years
0 months
Debt Summary
Total Debt
¥48,000
Monthly Payment
¥1,390
Total Cost
¥53,922
Payoff Order
1Credit Card 1Month 9 (0.8 years)
2Credit Card 2Month 14 (1.2 years)
3Car LoanMonth 28 (2.3 years)
Payoff Strategies
Avalanche Method: Pay off debts with highest interest rates first. Mathematically optimal - saves the most money in interest.
Snowball Method: Pay off smallest balances first. Builds momentum with quick wins for motivation.
Debt Payoff Tips
- Always pay at least the minimum on all debts
- Consider balance transfer cards for high-interest debt
- Build a small emergency fund to avoid new debt
- Celebrate milestones to stay motivated
- Avoid taking on new debt while paying off existing debt
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