대출 상환 계획을 계산하세요. 원금, 이자, 월 납입금, 상환 기간을 분석하는 무료 계산기.
이 도구는 대출 상환 계획을 계산합니다. 원금, 이자, 월 납입금, 상환 기간을 분석하여 가장 효율적인 상환 전략을 제시합니다.
The Avalanche method focuses on paying off debts with the highest interest rates first while making minimum payments on all others. Once the highest-rate debt is paid off, you roll that payment into the next highest-rate debt. This mathematically saves you the most money in interest over time.
The Snowball method focuses on paying off the smallest balance first while making minimum payments on all others. Once the smallest debt is eliminated, you roll that payment into the next smallest. This provides quick psychological wins that can help you stay motivated on your debt-free journey.
Use Avalanche if you want to save the most money on interest. Use Snowball if you need quick wins to stay motivated. Both work — the best method is the one you will stick with. This calculator lets you compare both strategies side by side.
Even an extra $50-100 per month can significantly shorten your payoff timeline and save thousands in interest. Use this calculator to experiment with different extra payment amounts and see the impact. Find an amount that fits your budget while making meaningful progress.