-
Tarjetas de crédito
Las 5 mejores tarjetas de crédito garantizadas (octubre 2025)
We feature the top 5 secured credit cards. These credit cards offer automatic reporting to all three national... -
Tarjetas de crédito garantizadas
Cómo crear crédito con una tarjeta de crédito garantizada (2025)
If you have a bad credit score, then you have undoubtedly encountered situations where your options have been... -
Forex 101
Guía avanzada de contratos a plazo en los mercados de divisas
Los contratos a plazo son acuerdos para comprar o vender una cantidad determinada de divisas en una fecha futura y... -
Finanzas
Explicación del Gambito de Norbert: Ahorre en comisiones Forex
As you seek to enhance your trading strategies, you are likely to come across a technique known as... -
Inversión 101
Direct Indexing Explained: How It Works And Why Do It?
The Rise of Index Investing Since the launch of the first index mutual fund by Vanguard in 1976, index... -
Inversor en Bitcoin
¿Por qué invertir en Bitcoin?
Hay muchas razones para invertir en Bitcoin. Este instrumento financiero único cambió el mundo para siempre...
Calculadora de amortización de tarjetas de crédito: Planifique su fecha libre de deudas
En Credit Card Repayment Calculator estimates how long it will take to pay off a balance based on your APR and monthly payment. Use it to minimize interest, compare payoff scenarios, and lock in a target debt-free date.
1) Qué hace esta calculadora
Given your balance, annual interest rate (APR), and planned monthly payment, the tool calculates an estimated payoff time and totals for interest and overall cost—assuming no new purchases or fees.
2) Entradas
| Entrada | Descripción |
|---|---|
| Saldo adeudado | Your current credit card balance. |
| Tipo de interés (TAE) | The annual percentage rate applied to your balance. |
| Pago mensual | The amount you plan to pay each month toward the balance. |
3) Cómo funciona (fórmula)
Months to payoff:
n = -ln(1 - r·P / M) / ln(1 + r)
P= current balance (principal)r= monthly interest rate = APR ÷ 12M= fixed monthly paymentn= number of months to repay
Totals:
Total Interest = M · n − P | Total Paid = P + Total Interest
Important: repayment is not possible if M ≤ r·P (your payment doesn’t cover monthly interest). Increase M to at least r·P + some principal.
4) Salidas
| Salida | Qué significa |
|---|---|
| Plazo de pago | Estimated months (and years) to eliminate the balance. |
| Total de intereses pagados | Total interest accumulated over the payoff period. |
| Coste total | Principal plus interest—your all-in repayment amount. |
5) Casos prácticos
- Strategy compare: Minimum vs. fixed vs. accelerated payments.
- Budgeting: Set a monthly payment to hit a target payoff date.
- Interest savings: See the impact of increasing M by $25–$100.
- Consolidation check: Model a lower-APR loan or balance transfer.
6) FAQ
¿Cuál es la precisión de la calculadora de amortización de tarjetas de crédito?
It’s an estimate based on your inputs and assumes no new purchases or fees. Actual results can vary with APR changes, penalties, or extra charges.
¿Puedo incluir varias tarjetas de crédito?
Use one run per card, then combine results to plan snowball or avalanche strategies.
¿Y si sólo hago el pago mínimo?
Minimum payments dramatically extend payoff time and raise total interest. Increasing your payment shortens n and reduces interest.
¿Cómo puedo pagar mi tarjeta de crédito más rápido?
Boost monthly payments, avoid new charges, and consider a lower-APR balance transfer or consolidation loan.
¿Incluye esta calculadora el interés compuesto?
Yes—APR is applied as monthly compounding to reflect typical card interest accrual.
