Borç Hesaplayıcımız Nasıl Çalışır

Hesaplayıcımızın arkasındaki matematiği öğrenin.

How the Calculator Works

Our debt payoff calculator uses a deterministic, month-by-month amortization model. Every calculation is performed in integer cents to avoid floating-point rounding errors, ensuring that the same inputs always produce identical results.

Minimum Payment Only

This baseline shows what happens when you pay only the required minimum each month. Minimum payments are typically calculated as a percentage of the outstanding balance (usually 1–3%), with a floor amount (often $25). As the balance decreases, so does the minimum payment — but the total interest paid can be staggering.

Debt Snowball Method

The snowball method, popularized by Dave Ramsey, prioritizes debts by balance size — smallest first. You make minimum payments on all debts, then put every extra dollar toward the smallest balance. Once that debt is eliminated, its payment rolls into the next smallest. The psychological wins of quickly eliminating debts keep you motivated.

Debt Avalanche Method

The avalanche method prioritizes debts by interest rate — highest first. Like snowball, you make minimums on everything and throw extra cash at the highest-APR debt. Mathematically, this saves the most money because you eliminate the most expensive debt first. The trade-off is that the first win may take longer to reach.

The Comparison

The real power of our calculator is the side-by-side comparison. By running all three strategies with your exact numbers, you can see precisely how many dollars and months you save by choosing avalanche over minimum, or snowball over minimum. There is no universally "best" method — the best method is the one you'll actually stick with.

Important Disclaimer

This calculator provides estimates for educational purposes only. It is not financial advice. Interest calculations are simplified and may not reflect your lender's exact amortization method. Consult a qualified financial professional for personalized guidance.