💳 债务清偿计划计算器（雪球/雪崩法）Debt Payoff Calculator (Snowball / Avalanche)
输入多笔债务（余额、年利率、最低还款）和每月总还款预算，按“雪崩法”（先还高利率）或“雪球法”（先还小余额）模拟逐月还款，得出还清时间、总利息和每笔债务的还清月份。List your debts (balance, APR, minimum payment) and a monthly budget, then simulate the avalanche (highest rate first) or snowball (smallest balance first) method month by month to see the payoff date, total interest and when each debt is cleared.
使用说明与常见问题How-to & FAQ
「债务清偿计划计算器（雪球/雪崩法）」是什么？What is the Debt Payoff Calculator (Snowball / Avalanche) tool?
输入多笔债务（余额、年利率、最低还款）和每月总还款预算，按“雪崩法”（先还高利率）或“雪球法”（先还小余额）模拟逐月还款，得出还清时间、总利息和每笔债务的还清月份。List your debts (balance, APR, minimum payment) and a monthly budget, then simulate the avalanche (highest rate first) or snowball (smallest balance first) method month by month to see the payoff date, total interest and when each debt is cleared.
如何使用「债务清偿计划计算器（雪球/雪崩法）」？How do I use the Debt Payoff Calculator (Snowball / Avalanche) tool?
在「债务清偿计划计算器（雪球/雪崩法）」中，填写「每月总还款预算」、「方法」等参数，结果会随输入实时计算并显示在下方。In the Debt Payoff Calculator (Snowball / Avalanche): Fill in "Monthly budget", "Method"; results are recalculated instantly as you type.
雪崩法和雪球法有什么区别？Avalanche vs snowball — what's the difference?
两种方法都是先付清所有最低还款，再把剩余预算全部投入一笔债务。雪崩法优先还年利率最高的，总利息最少；雪球法优先还余额最小的，能更快看到债务一笔笔清零、更容易坚持。Both pay every minimum first and then put the whole remainder on one debt. Avalanche targets the highest APR and minimises total interest; snowball targets the smallest balance, giving quicker wins that help many people stay motivated.
利息怎么计算？How is interest calculated?
每月按 年利率 ÷ 12 对当时余额计息后再扣还款（与多数信用卡和贷款的月计息方式一致）；还清某笔后，它的最低还款额会自动转入下一笔（“滚雪球”）。Each month interest of APR ÷ 12 is added to the balance before payments, as most cards and loans do; once a debt is cleared, its minimum payment rolls into the next target.
输入格式？Input format?
每行一笔：名称、余额、年利率（%）、最低月还款，用空格分隔，例如「信用卡 5000 22 150」。名称可以含空格，最后三个数字会被识别为数值。One debt per line: name, balance, APR (%) and minimum monthly payment separated by spaces, e.g. "Visa 5000 22 150". The name may contain spaces; the last three numbers are read as the values.
计算结果可以作为最终依据吗？Can I rely on the result?
「债务清偿计划计算器（雪球/雪崩法）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Debt Payoff Calculator (Snowball / Avalanche) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「债务清偿计划计算器（雪球/雪崩法）」免费吗？需要注册吗？Is the Debt Payoff Calculator (Snowball / Avalanche) free? Do I need an account?
「债务清偿计划计算器（雪球/雪崩法）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Debt Payoff Calculator (Snowball / Avalanche) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.