Debt Consolidation Calculator
List your current debts and a consolidation loan you're considering. We'll run the real month-by-month math and tell you whether it saves money — or just lowers your payment while costing more overall.
Your current debts
DebtBalanceAPRMin
The consolidation loan
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mo
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🔒 Everything is calculated locally. We never see your numbers.
Should you consolidate?
How to read this: The "current path" assumes you keep paying each debt at the minimum you entered. Real credit-card minimums shrink as the balance drops, so your actual stay-put interest could be even higher than shown. A consolidation loan trades a variable, open-ended grind for a fixed payment and a fixed end date — which is valuable even when it isn't strictly cheaper. Watch the total cost bar: a lower monthly payment over a longer term often means more interest overall.
Want the full picture first? Read Debt consolidation, explained and When consolidation is a trap.