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Debt consolidation

Whether rolling up to six debts into one loan or card really saves you money, and how much. No account needed.

Your numbers

Answer each Yes/No question, then fill in the amounts that appear. Use 0 only when an amount is truly zero. Want to see how it works first? Load example numbers below.

Will you stop adding new charges to the debts you pay off?

Consolidating only helps if the cards and loans you pay off stay paid off. This compares fixed rates and payments; it doesn’t handle a variable-rate HELOC.

Pick the closest. It tunes the warnings under your result: a federal student loan, for example, has protections you lose when a private loan pays it off.
The current balance on the statement. For example, 8,000.
The APR on the statement. For example, 24. Enter 0 if it charges no interest.
What you actually pay now, at least the minimum. For example, 240.
Do you have a second debt to add?

Add each credit card, loan or bill you want the new loan or card to pay off, up to six.

Pick the offer you are weighing; run it again with another choice to compare. A home equity loan or a cash-out refinance puts your home up as security.
The rate on the lender’s offer, not the APR. For example, 11 for a personal loan or 7.5 for a home equity loan.
Personal loans usually run 2 to 7 years, home equity loans 5 to 30, a refinance 15 to 30. A longer term lowers the payment but can cost more interest than you pay now.
Does the new loan or card charge a fee?

A balance-transfer fee, an origination fee or closing costs. Most offers have one; check the fine print.

Your answer shows up here.

Answer the questions, then press Calculate.
Or load example numbers to see how it works.

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Assumptions, sources & limitations

Planning estimates only. Not a tax return, filing, payment, lending quote or personalized advice. Results depend on complete and accurate inputs. No guarantee of savings or penalty protection. Tax figures checked October 31, 2026; changes and special rules may apply. This initial release needs firm validation before client reliance.