Free online Debt Consolidation Calculator. Combine multiple high-interest debts (credit cards, personal loans) into one lower-interest loan. Visually compare before/after monthly payments and total interest savings. Supports up to 6 debts.
Zero dependencies · Data never leaves your deviceDebt consolidation combines multiple high-interest debts (credit cards, personal loans) into a single lower-interest loan, reducing your monthly payment and total interest paid.
It saves money if the new rate is significantly lower than your current weighted average APR. However, extending the term may increase total interest. This calculator helps you compare.
Possible fees include origination fees, appraisal fees, and prepayment penalties. This calculator supports adding a fee for accurate cost comparison.
Up to 6 debts at once, covering most real-world scenarios.