potongan Kalkulator Pembayaran Kartu Kredit – Securities.io
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Credit Card Repayment Calculator: Plan Your Debt-Free Date

The Kalkulator Pelunasan Kartu Kredit 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) What This Calculator Does

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) Masukan

Memasukkan Uraian Teknis
Saldo Terutang Your current credit card balance.
Suku Bunga (APR) The annual percentage rate applied to your balance.
Pembayaran bulanan The amount you plan to pay each month toward the balance.

3) Cara Kerjanya (Rumus)

Months to payoff:

n = -ln(1 - r·P / M) / ln(1 + r)

  • P = current balance (principal)
  • r = monthly interest rate = APR ÷ 12
  • M = fixed monthly payment
  • n = number of months to repay

Total:

Total Interest = M · n − P   |   Total Paid = P + Total Interest

Penting: repayment is not possible if M ≤ r·P (your payment doesn’t cover monthly interest). Increase M setidaknya r·P + some principal.

4) Keluaran

Keluaran Apa artinya
Waktu Pembayaran Estimated months (and years) to eliminate the balance.
Total Bunga Dibayar Total interest accumulated over the payoff period.
Total Biaya Principal plus interest—your all-in repayment amount.

5) Studi Kasus Praktis

  • Strategy compare: Minimum vs. fixed vs. accelerated payments.
  • Penganggaran: Set a monthly payment to hit a target payoff date.
  • Penghematan bunga: See the impact of increasing M by $25–$100.
  • Consolidation check: Model a lower-APR loan or balance transfer.

6) Tanya Jawab

How accurate is the Credit Card Repayment Calculator?
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.
Can I include multiple credit cards?
Use one run per card, then combine results to plan snowball or avalanche strategies.
What if I only make the minimum payment?
Minimum payments dramatically extend payoff time and raise total interest. Increasing your payment shortens n and reduces interest.
How can I pay off my credit card faster?
Boost monthly payments, avoid new charges, and consider a lower-APR balance transfer or consolidation loan.
Does this calculator include compound interest?
Yes—APR is applied as monthly compounding to reflect typical card interest accrual.

Coba Kalkulatornya


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