Debt Consolidation Calculator: Simplify Your Repayments

The Υπολογιστής ενοποίησης χρέους shows how long it will take to repay your combined balances and how much you’ll pay in total based on your total debt, average interest rate, και μηνιαία πληρωμή. Use it to budget confidently, compare scenarios, and visualize the path to becoming debt-free.

1) What the Debt Consolidation Calculator Does

This tool estimates the time to payoff και total repayment when multiple debts are rolled into one plan. It applies your average APR to a single balance and models repayment with a fixed monthly payment (no new charges or fees).

2) Είσοδοι

3) Πώς λειτουργεί (Φόρμουλα)

Months to payoff with a fixed monthly payment M:

n = -ln(1 - r·P / M) / ln(1 + r)

• P = total debt (principal)
• r = monthly rate = APR ÷ 12
• M = μηνιαία πληρωμή
• n = αριθμός μηνών για αποπληρωμή

Σύνολο: Total Interest = M·n − P   |   Total Repayment = P + Total Interest

Σημαντικό: Repayment isn’t possible if M ≤ r·P (η πληρωμή σας δεν καλύπτει τους μηνιαίους τόκους). Αύξηση M πάνω από r·P to begin reducing principal.

4) Έξοδοι

5) Πρακτικές περιπτώσεις χρήσης

• Προγραμματισμός προϋπολογισμού: Choose a payment that fits your cash flow and target date.
• Rate comparison: Test how a lower APR from consolidation affects interest and timing.
• Επιτάχυνση: See savings from increasing your monthly payment.
• Απλοποίηση: Replace multiple due dates with one predictable payment.

6) Συχνές ερωτήσεις

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