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Debt Consolidation Calculator

Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you. Fill in your loan amounts and/or credit card balances and see what your monthly payment would be with a consolidated loan or credit card. Try adjusting your terms, loan types or rate until you find a consolidation plan that fits your needs – and most importantly your budget!


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.

Review your current products

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

What kind of product would you like to consolidate into?

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

Your new credit card

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

Your new loan

What are the terms on your new loan?


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

The new card you're transferring to:

Low promotional APR sometimes offered for new credit cards.
Enter a valid APR
Term of the introductory APR in months
Enter a valid introductory term
The cost of the loan, including interest and fees.
Enter a valid APR
Consolidate to a new loan instead

The new loan you're transferring to:

The cost of the loan, including interest and fees.
Enter the APR of your Loan as a percentage
The duration of time it takes to pay off the loan in 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

Credit Card
Credit Card

Total Interest Comparison

Monthly Payment Comparison


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.

Take control of your debt.

Learn the strategies to help reduce your debt.

Read the article

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