Debt Consolidation Calculator
Free debt consolidation calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Debt Consolidation Calculator below.
See if consolidating debt (e.g. into one loan) saves money. Compare current total payment and interest with consolidated scenario. Free debt consolidation calculator.
How to use Debt Consolidation Calculator
Enter current debts
Input each debt balance, rate, and payment.
Enter new loan
Input consolidated loan rate and term.
View comparison
See total interest and payment before vs after.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to Debt Consolidation Calculator
What is a debt consolidation calculator?
A debt consolidation calculator compares your current debt payments (multiple cards or loans) with a single consolidation loan or balance transfer. Enter each debt’s balance, rate, and payment, then the consolidation option’s rate and term. It shows whether you save money and how long until payoff. Consolidation only helps if the new rate is lower and you stop adding new debt.
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Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.