Calculadora de Liquidación de Tarjeta de Crédito Gratis
Calcula cuánto tiempo tardarás en pagar tu tarjeta de crédito y cuánto pagarás en intereses. Compara estrategias de pago.
Meses para Liquidar
34
Months to Pay Off vs Monthly Payment
Fórmula
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.
Ejemplo Resuelto
$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
Preguntas Frecuentes
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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