Calculadora de quitação de dívidas

Debts Overview & Monthly Budget

Debt #1 (e.g. Credit Card)

Debt #2 (e.g. Personal Loan)

Snowball vs Avalanche Payoff Comparison

⚡ Debt AvalancheHighest Interest Rate First

0 Months

Total Interest: $0

❄️ Debt SnowballLowest Balance First

0 Months

Total Interest: $0

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Os resultados são estimativas baseadas nos valores inseridos. Não constituem recomendação financeira. Consulte um especialista.

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Perguntas Frequentes

Como funciona Debt Payoff Calculator?

Debt Avalanche prioritizes paying off debts with the highest interest rates first, minimizing total interest paid. Debt Snowball prioritizes paying off the smallest balances first, providing quick psychological wins to build momentum.

Which debt payoff method saves more money?

Debt Avalanche mathematically saves the most money and eliminates debt fastest by eliminating high-interest rate balances (such as credit cards at 24% APR) before lower-rate loans.

Como funciona Debt Payoff Calculator?

Adding even $100 or $200 extra per month directly reduces principal balances, compounding interest savings and shortening debt payoff timelines by months or years.

Como funciona Debt Payoff Calculator?

Credit cards typically carry high variable APRs (18%-29%) compared to fixed federal student loans (4%-7%), making high-interest credit card debt the urgent priority for payoff.

Does paying off debt improve my credit score?

Yes. Lowering debt balances reduces your credit utilization ratio (which accounts for 30% of FICO credit scores), significantly boosting your overall credit rating.