Finance
Debt Consolidation Calculator
Compare your current debts to a consolidation loan or balance transfer. Estimate new payment, interest savings, break-even point, and full payoff schedules with fees and teaser APR options.
Consolidation Loan & Balance Transfer Planner
Add current debts, define the consolidation option, and compare costs, timelines, and savings side by side.
Add all debts you plan to consolidate. Use realistic minimum payments (or your actual planned payments) to estimate the current payoff path.
| Debt Name | Balance | APR (%) | Monthly Payment | Monthly Fee | Remove |
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Total Balance
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Total Monthly Payment
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Weighted Avg APR
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Debt Count
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Upfront fees can be treated as added cost (paid separately) or rolled into the new balance. This calculator treats upfront fees as additional cost that you pay over time by increasing effective cost, while the schedule shows the financed balance as the total consolidated balance (balance + financed fees) for clarity.