Kreditkarten-Tilgung
Calculate how long to pay off your credit card and total interest cost.
Principal vs Interest
Payment Breakdown
| Month | Payment | Principal | Interest | Remaining Balance |
|---|---|---|---|---|
| 1 | 200,00 $ | 95,88 $ | 104,13 $ | 4.904,13 $ |
| 2 | 200,00 $ | 97,87 $ | 102,13 $ | 4.806,25 $ |
| 3 | 200,00 $ | 99,91 $ | 100,09 $ | 4.706,34 $ |
| 4 | 200,00 $ | 101,99 $ | 98,01 $ | 4.604,35 $ |
| 5 | 200,00 $ | 104,11 $ | 95,89 $ | 4.500,24 $ |
| 6 | 200,00 $ | 106,28 $ | 93,72 $ | 4.393,96 $ |
| 7 | 200,00 $ | 108,50 $ | 91,50 $ | 4.285,46 $ |
| 8 | 200,00 $ | 110,76 $ | 89,24 $ | 4.174,71 $ |
| 9 | 200,00 $ | 113,06 $ | 86,94 $ | 4.061,64 $ |
| 10 | 200,00 $ | 115,42 $ | 84,58 $ | 3.946,23 $ |
| 11 | 200,00 $ | 117,82 $ | 82,18 $ | 3.828,41 $ |
| 12 | 200,00 $ | 120,27 $ | 79,73 $ | 3.708,13 $ |
| 13 | 200,00 $ | 122,78 $ | 77,22 $ | 3.585,36 $ |
| 14 | 200,00 $ | 125,33 $ | 74,67 $ | 3.460,02 $ |
| 15 | 200,00 $ | 127,95 $ | 72,05 $ | 3.332,08 $ |
| 16 | 200,00 $ | 130,61 $ | 69,39 $ | 3.201,47 $ |
| 17 | 200,00 $ | 133,33 $ | 66,67 $ | 3.068,14 $ |
| 18 | 200,00 $ | 136,11 $ | 63,89 $ | 2.932,03 $ |
| 19 | 200,00 $ | 138,94 $ | 61,06 $ | 2.793,09 $ |
| 20 | 200,00 $ | 141,83 $ | 58,17 $ | 2.651,26 $ |
| 21 | 200,00 $ | 144,79 $ | 55,21 $ | 2.506,47 $ |
| 22 | 200,00 $ | 147,80 $ | 52,20 $ | 2.358,67 $ |
| 23 | 200,00 $ | 150,88 $ | 49,12 $ | 2.207,79 $ |
| 24 | 200,00 $ | 154,02 $ | 45,98 $ | 2.053,76 $ |
| 25 | 200,00 $ | 157,23 $ | 42,77 $ | 1.896,53 $ |
| 26 | 200,00 $ | 160,50 $ | 39,50 $ | 1.736,03 $ |
| 27 | 200,00 $ | 163,85 $ | 36,15 $ | 1.572,18 $ |
| 28 | 200,00 $ | 167,26 $ | 32,74 $ | 1.404,92 $ |
| 29 | 200,00 $ | 170,74 $ | 29,26 $ | 1.234,18 $ |
| 30 | 200,00 $ | 174,30 $ | 25,70 $ | 1.059,88 $ |
| 31 | 200,00 $ | 177,93 $ | 22,07 $ | 881,95 $ |
| 32 | 200,00 $ | 181,63 $ | 18,37 $ | 700,32 $ |
| 33 | 200,00 $ | 185,42 $ | 14,58 $ | 514,90 $ |
| 34 | 200,00 $ | 189,28 $ | 10,72 $ | 325,63 $ |
| 35 | 200,00 $ | 193,22 $ | 6,78 $ | 132,41 $ |
| 36 | 135,16 $ | 132,41 $ | 2,76 $ | 0,00 $ |
Credit Card Payoff: Complete Guide
Cost of Minimum Payments
Minimum payments on $5K at 25% APR takes 30+ years and $12K+ in interest. More than double the original balance.
Payoff Strategies
Avalanche method (highest rate first) saves the most. Snowball method (smallest balance first) provides psychological wins. Balance transfers offer 0% intro periods.
Understanding APR
Credit card APR compounds daily. 24.99% APR means 0.0684% daily interest, making debt grow quickly.
Practical Example
$5,000 at 24.99% APR
Minimum only: 26 years, $11,500+ interest.
$250/month: 24 months, $1,382 interest.
$500/month: 12 months, $672 interest. Doubling payment saves $700+.
Häufig gestellte Fragen
What if I only make minimum payments?
You will pay dramatically more interest and take decades to pay off. Always pay more than minimum.
Should I get a balance transfer?
If you can pay off during the 0% intro period (12-21 months), it saves hundreds. Watch for 3-5% transfer fees.
Large vs multiple small payments?
Paying early reduces your average daily balance, saving money. Pay as soon as you have funds.
Good utilization rate?
Below 30% is acceptable. Below 10% is ideal for credit scores.
Can I negotiate my rate?
Yes. Call your issuer. Success rate ~70% with average 6 point reduction.
Schätzungen. Konsultieren Sie einen Finanzberater.
📚 Quellen
- Consumer Financial Protection Bureau - Credit Card Payoff (consumerfinance.gov)
- Federal Reserve - Understanding Credit Card Interest (federalreserve.gov)