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Credit Card Payoff Calculator

Calculate how long to pay off credit card debt.

⚠️ Not financial advice. Results are illustrative only and should not be used as the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant before acting on any figure shown.

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クレジットカード債務が非常に危険な理由

クレジットカード債務をより早く返済するための戦略

計算のしくみ

クレジットカードの利息は、どの投資リターンをも上回る月次複利で計算されます。年36%（月3%）の場合、₹1ラーフの残高を一切返済しなければ、利息だけで3年間に₹2.9ラーフになります。真のコストを理解することで積極的な返済意欲が生まれます。

毎月、残高（残高 × 月利率）に利息が発生します。支払いはまず利息をカバーし、残りが元本を減少させます。スケジュールは各支払いのうちどれだけが利息と元本に充てられるかを正確に示します。

  • 残高への追加を停止する: 債務返済中はデビットカードや現金に切り替える。
  • 最低返済額以上を支払う: 月に₹500〜1,000でも余分に支払うことで、総利息と返済期間が劇的に短縮される。
  • 残高振り替え: 一部の銀行は振り替えた残高に3〜6ヶ月間0%の利息を提供している — 利息なしで元本を返済できる窓口。
  • 個人ローンへの統合: 12〜18%の個人ローンはクレジットカードのレートよりはるかに安い。すぐに完済できない場合は切り替える。

よくある質問

What is a typical credit card interest rate in India?
Indian credit cards charge 24%–48% per annum (2–4% per month) — among the highest in the world. A ₹50,000 balance at 36% p.a. paying ₹2,000/month takes over 3 years and costs ₹23,000+ in interest. This is why carrying a credit card balance is one of the most expensive forms of debt.
What is the minimum payment trap?
Banks set minimum payments at 5% of the balance (or ₹100–200, whichever is higher). Paying only the minimum means most of your payment covers interest, not principal. A ₹50,000 balance paying minimum each month could take 10+ years to clear. Always pay more than the minimum.
How much does paying extra each month save?
The impact is significant. On a ₹50,000 balance at 36% paying ₹2,000/month, adding just ₹500 extra can cut payoff time by 8 months and save ₹8,000+ in interest. Use the 'Extra Payment' field to see exactly how much you save.
Should I pay off my credit card or invest the money?
Credit card debt at 36–48% p.a. is almost always more expensive than any investment return. Even the best equity funds average 12–15% annually. Paying off credit card debt first is a guaranteed high return. Exception: employer-matched EPF — contribute enough to capture the full match, then clear the card.
What is the avalanche vs snowball method for debt payoff?
Avalanche: pay off the highest-interest debt first (mathematically optimal — saves the most money). Snowball: pay off the smallest balance first (psychologically motivating). If you have multiple credit cards, avalanche saves more; snowball provides quick wins. Both are far better than minimum payments.

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