मुफ्त कर्ज भुगतान कैलकुलेटर
अपना कर्ज कितने समय में चुका सकते हैं, यह जानें। भुगतान रणनीति बनाएं और ब्याज बचाएं।
चुकाने के महीने
48
Months to Pay Off vs Monthly Payment
सूत्र
Debt Payoff Formula
Months = -log(1 - r × D / P) / log(1 + r)
Where D = debt, P = monthly payment, r = monthly rate. Payment must exceed monthly interest (D × r) for the debt to decrease.
हल किया गया उदाहरण
$15,000 debt at 12% APR with $400 monthly payments.
- 01Monthly rate = 12% / 12 = 1%
- 02Months = -log(1 - 0.01 × 15000 / 400) / log(1.01)
- 03= -log(0.625) / 0.00995 = 47.2 → 48 months (4 years)
- 04Total paid = 48 × $400 = $19,200
- 05Total interest = $19,200 - $15,000 = $4,200
अक्सर पूछे जाने वाले प्रश्न
What is the snowball vs avalanche method?
Snowball: pay smallest debts first for motivation. Avalanche: pay highest interest debts first to save money. Avalanche is mathematically optimal.
How does paying only the minimum affect payoff time?
Minimum payments are typically 1-3% of the balance, which barely covers interest on high-rate debt. On a $15,000 balance at 18% APR, minimum payments could take over 30 years to pay off and cost more in interest than the original debt.
Should I pay off debt or invest?
As a general rule, pay off any debt with an interest rate higher than what you could earn investing. If your debt charges 15% but investments return 10%, paying off the debt is a guaranteed 15% return. Always keep an emergency fund before accelerating debt payments.
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