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Debt Consolidation Calculator

Add up your current debts. Then see what a consolidation loan would cost. Compare total interest, monthly payment, and payoff time.

Your Current Debts

Consolidation Loan Offer

$0

Total savings with consolidation

Current Situation

Total Balance$0
Min Monthly Payment$0
Total Interest (min pay)$0
Years to Payoff0

Consolidation Loan

Loan Amount$0
Monthly Payment$0
Total Interest$0
Origination Fee$0
Total Cost$0
Payoff Time0 yr
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How It Works

Add each of your current debts with balance and APR. Then enter the consolidation loan offer. The calculator simulates your current minimum-payment strategy versus the consolidation loan, showing total interest, payoff time, and net savings.

Practical tip: Consolidation only works if you stop adding to the original debts. Close or freeze the old cards after consolidation. Also watch out for origination fees on the new loan — they can eat into your savings.

Privacy note: All calculations happen in your browser. Nothing is sent to our servers.

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