最低还款陷阱计算器
揭示仅支付信用卡最低还款额的真实成本，计算还清所需的总时间和总利息，帮助您制定更好的还款策略。
Months (Minimum Only)
137 months
Months (Minimum Only) vs Annual Percentage Rate
公式
The Minimum Payment Trap
Credit card minimum payments are designed to maximize the interest the lender collects. They typically equal 1-3% of the balance or a flat floor (like $25), whichever is greater.
Why Minimums Are Dangerous
At 22% APR with 2% minimums:
The Fix
Doubling your minimum payment can cut payoff time by more than half.
计算示例
$5,000 balance at 22% APR, 2% minimum payment ($25 floor).
- 01First minimum = max($5,000 x 2%, $25) = $100
- 02Monthly interest = $5,000 x 22%/12 = $92
- 03Only $8 goes to principal in month 1!
- 04At minimums only: ~199 months (16.6 years)
- 05Total interest: ~$14,900 (nearly 3x the balance)
- 06Doubling to $200: ~31 months, saving thousands
常见问题
How is the minimum payment calculated?
Most issuers set the minimum at the greater of a percentage of the balance (typically 1-3%) or a flat floor ($25-$35). Some add current interest and fees to the minimum.
Why does so little go to principal?
With a 22% APR, monthly interest is about 1.83% of the balance. A 2% minimum payment means only 0.17% (about $8 on $5,000) goes to principal. The rest is pure interest.
What is the fastest way out of the trap?
Pay a fixed amount well above the minimum, or use the debt avalanche method. Even small increases above the minimum make a huge difference. $50 extra per month can save years and thousands of dollars.
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