Kostenloser Kreditkarten-Tilgungsrechner
Finden Sie heraus, wie lange es dauert, Ihr Kreditkartenguthaben abzubezahlen, und wie viel Zinsen Sie insgesamt zahlen werden.
Monate bis zur Tilgung
34
Months to Pay Off vs Monthly Payment
Formel
How Credit Card Payoff Is Calculated
The number of months to pay off is:
n = -log(1 - r × B / P) / log(1 + r)
Where B = balance, P = monthly payment, r = monthly interest rate. Your payment must exceed the monthly interest charge (B × r) or the balance will never decrease.
Lösungsbeispiel
$5,000 balance at 22% APR with $200 monthly payment.
- 01Monthly rate = 22% / 12 = 1.833%
- 02Months = -log(1 - 0.01833 × 5000 / 200) / log(1.01833)
- 03= -log(1 - 0.4583) / log(1.01833)
- 04= -log(0.5417) / 0.01817 = 33.7 → 34 months
- 05Total paid = 34 × $200 = $6,800
- 06Total interest = $6,800 - $5,000 = $1,800
Häufig Gestellte Fragen
What if I only pay the minimum?
Minimum payments (typically 2% of balance or $25) can take decades to pay off and cost thousands in interest. Always pay more than the minimum.
Should I transfer the balance?
Balance transfer cards with 0% intro APR can save significant interest if you can pay off the balance during the promotional period (usually 12-21 months).
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