免费信用卡还清计算器
计算还清信用卡余额所需的时间和利息，制定高效还款策略。
USD
%
USD
还清月数
34
总支付金额$6,800.00
已付总利息$1,800.00
Months to Pay Off vs Monthly Payment
公式
## 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.
计算示例
$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
常见问题
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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