Debt Consolidation Calculator
List the debts you'd consolidate and the loan offer you're considering. We'll simulate both paths month by month and show the total cost of each — the only honest way to know whether consolidation saves you money.
Your current debts
The consolidation loan offer
Current path assumes you keep paying each debt's monthly payment as entered until it's gone. Consolidation cost includes the origination fee. Estimates for comparison only — your lender's disclosed terms govern.
What to do with the result
If consolidation wins, the discipline that makes it stick is in our full consolidation guide — especially the section on the three ways it backfires. If the numbers are close or consolidation loses, a nonprofit debt management plan often beats both paths for scores under 600; that comparison is in the same guide. Either way, prequalify with several lenders before you accept anything — the APR you enter here is negotiable in practice.