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Debt Consolidation Calculator: Compare Savings, Payment & Payoff Date

Enter each current debt and a proposed consolidation loan to compare monthly payments, total interest, fees and payoff time.

Check available options →Read the guide

✓Inputs✓Comparison✓Next step

Check the actual providerConfirm who makes the credit decision.

Normalize the costCompare fees, APR, total due and dates.

Stress-test repaymentProtect essential cash after the payment.

Complete guide

Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

The calculator must compare full payoff paths

Finder’s current calculator compares current debt interest with a new loan, but notes assumptions such as no origination fee. Payday Hex explicitly includes the fee field and cash proceeds. FINDER_DEBT_CALC

A lower payment can still cost more

The output splits payment savings from total-cost savings so a user sees when term extension is the only reason the monthly number improved.

Unequal balances need weighted current cost

The calculator does not average APRs arithmetically. It weights the balances and, where full payment schedules are provided, uses each debt’s actual path.

The math is an estimate, not a payoff quote

Credit-card rates/payments can change. The user can enter statement values, but final creditor payoff figures remain authoritative.

Interactive decision tool

Payment and total-cost calculator

See how APR and term change the payment and total repaid.

1Enter→2Compare→3Verify

Loan amount$APR%Termmo

Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

See the term-versus-cost trade-off

A smaller payment can still mean a larger total cost.

InputPrincipalCash actually received.

SchedulePaymentAPR and months shape it.

Full viewTotal repaidCompare through final payment.

What controls the decision

Monthly payFit

Total interestCompare

Cash bufferProtect

3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Net proceedsEnough for the real expense?
2Monthly fitPayment clears after essentials?
3Full termTotal repayment is acceptable?

Continue the guide

Apply the result to this decision

Use the remaining checks before moving to a provider form.

Decision table

Result	Current debts	Consolidated
Monthly outflow	Sum of entered payments	Loan payment
Interest	Projected by debt	Projected by new loan
Fees	Entered current fees	Origination/mandatory fee
Payoff	By each debt schedule	Loan maturity
Total cost	Projected	Projected

Product scenario

Illustrative only: the tool accepts a quoted new rate and fee rather than inventing one, then compares it with the user’s entered card/loan balances.

Product objections / FAQ

Does this calculator predict an approval rate? No.

Should I enter minimum payments? Use the payment strategy you actually plan to follow for a meaningful baseline.

Does it include origination fees? Yes, when entered.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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Related guides and tools

6 focused pages, each with a separate canonical job.

Ready for the next step?

Take the comparison with you.

The application page is separate from the guide and is operated with a third-party form provider.

Continue to the form →