Net total savings
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After all fees
Example calculation
Consolidation
Calculating consolidation...
New monthly payment
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Payoff timeline
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Upfront fee
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Current debt vs Consolidated offer
| Factor | Current Debts | Consolidated Option | Difference |
|---|---|---|---|
| Monthly Payment | -- | -- | -- |
| Estimated Time to Payoff | -- | -- | -- |
| Total Interest | -- | -- | -- |
| Total Paid (with fees) | -- | -- | -- |
How this estimates
This calculator compares your existing debts against a single consolidation loan or promotional balance transfer credit card.
For an installment loan, your balance is restructured at a fixed monthly payment and fixed APR over a set term. Origination fees are accounted for whether financed into the loan balance or paid out of pocket.
For a balance transfer card, the transfer fee is added to your starting balance. If you pay off the balance during the promotional window, you save substantial interest. If a balance remains after the promo expires, the remaining principal accrues interest at the ongoing revert rate.
Disclaimer: A planning estimate based on your inputs and the assumptions shown. Actual costs and eligibility may differ. Not an offer of credit, pre-approval, or financial advice. Lenders assess credit tier and eligibility before approving loans.