Cómo usarla
- Enter Balance.
- Enter APR %.
- Enter Target (years).
La fórmula
Payoff date follows from balance, rate and payment.
Ejemplo resuelto
A steady payment fixes a payoff date you can plan around.
Preguntas frecuentes
What moves the date?
Higher payments pull it closer.
Multiple debts?
Clear them in order, then reuse freed payments.
Consejos
- Pay more than the minimum — it changes payoff dramatically.
- Attack the highest-rate balance first to save the most.
- Stop adding new charges while you pay debt down.
Términos clave
- Minimum payment
- The smallest amount due each period.
- Utilization
- Balances divided by credit limits.
- Consolidation
- Combining debts into one loan.