Debt Consolidation Calculator

Should you consolidate your debt? This calculator helps you compare interest rates and payment options to see if simplifying your debt into one loan, or credit card, is the right move for your budget. Try adjusting your terms, loan types or rate until you find a consolidation plan that fits your needs.

Debt Consolidation Calculator

How much can I save?

Enter your credit card or loan balances to see how much you can save by consolidating.

What do you want to consolidate?

Add your current loans or credit cards that you'd like to consolidate.

Save and add another Save and continue

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Review your current products

Here's what you've entered so far...

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What kind of product would you like to consolidate into?

Would you like to consolidate into a credit card or a loan?

Consolidate
to a new
credit card. Consolidate
to a
new loan.

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Your new credit card

What are the details on your new credit card? Does it have an introductory rate?

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Your new loan

What are the terms on your new loan?

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Products

Your current credit card(s) or loan(s):

Product Edit Product Delete Product

Balance Total balance you currently owe. $

Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Monthly Payment The amount you will pay towards the loan monthly. $

Add more

The new card you're transferring to:

My new card has an introductory APR

Introductory APR

Enter a valid APR

Introductory Term

Months

Enter a valid introductory term

Annual Percentage Rate (APR)

Enter a valid APR

Consolidate to a new loan instead

The new loan you're transferring to:

Annual Percentage Rate (APR)

Enter the APR of your Loan as a percentage

Loan Term in Months

Months

Enter the number of terms (months) of the loan

Consolidate to a new credit card instead

Enter in the details of your new loan or credit card.

Comparison Summary

Total Interest Savings:

Total Additional Interest:

Monthly Payment Savings:

Monthly Payment Increase:

Total Interest Comparison

Current Credit Card(s) or Loans(s)

New Credit Card

New Loan

Monthly Payment Comparison

Current Credit Card(s) or Loans(s)

New Minimum Payment

Learn more about our credit cards

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When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

Important Notifications

Debt Consolidation Calculator