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Calculatrice de remboursement de carte de crédit : Planifiez votre date de désendettement
Les 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) Ce que fait ce calculateur
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) Entrées
| Entrée | Description |
|---|---|
| Solde dû | Your current credit card balance. |
| Taux d'intérêt (APR) | The annual percentage rate applied to your balance. |
| Paiement mensuel | The amount you plan to pay each month toward the balance. |
3) Comment ça marche (formule)
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) Sorties
| Sortie | Ce que cela signifie |
|---|---|
| Délai de remboursement | Estimated months (and years) to eliminate the balance. |
| Total des intérêts payés | Total interest accumulated over the payoff period. |
| Coût total | Principal plus interest—your all-in repayment amount. |
5) Cas d'utilisation pratiques
- 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
Quelle est la précision de la calculatrice de remboursement des cartes de crédit ?
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.
Puis-je inclure plusieurs cartes de crédit ?
Use one run per card, then combine results to plan snowball or avalanche strategies.
Que se passe-t-il si je n'effectue que le paiement minimum ?
Minimum payments dramatically extend payoff time and raise total interest. Increasing your payment shortens n and reduces interest.
Comment puis-je rembourser ma carte de crédit plus rapidement ?
Boost monthly payments, avoid new charges, and consider a lower-APR balance transfer or consolidation loan.
Cette calculatrice inclut-elle les intérêts composés ?
Yes—APR is applied as monthly compounding to reflect typical card interest accrual.
