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Debt
Debt consolidation calculator
Roll your high-rate balances into a single fixed-rate loan and see exactly what you save — both monthly and over the life of the debt.
Your current debts
Debt 1
Debt 2
Debt 3 (optional)
New consolidation loan
Monthly savings
$80.07
- Lifetime savings$3,304.44
- New monthly payment$219.93
- Current monthly$300.00
- Weighted current APR23.2%
See real consolidation offers
Soft credit pull only — most lenders fund within a day.
- What we compare
Your current debts (sum of minimum payments + weighted APR) against a single fixed-rate consolidation loan at a new term.
- Where consolidation actually saves
If your average current APR is 18%+ and you can qualify for a personal loan in the 8–12% range, consolidation usually wins both monthly cash flow and lifetime cost.
- Where it can backfire
If you stretch the term to lower the payment, you can pay more in total interest. We surface lifetime cost so you don't fall for that trap.