Compare multiple current debts with one consolidation loan, including monthly payment, total interest, and cash-flow change.
USD inputs · transparent calculation assumptions
Instant updates as inputs change
Data is calculated in this browser only
USD inputs · transparent calculation assumptions
New consolidation payment$435.82
Total debt consolidated
$21,000.00
Weighted current APR
16.29%
Current monthly payments
$575.00
Monthly cash-flow change
$139.18
New-loan total interest
$5,149.41
Estimated current-plan interest
$8,272.18
Estimated interest savings
$3,122.77
Calculation notes
Understand the Debt consolidation calculator
The Debt Consolidation Payment Calculator validates each input, applies the displayed 2026 assumptions, and calculates current debts versus one consolidation payment, rate, and total interest with consistent annual or monthly cash-flow timing.
Formula and logic
How does the Debt Consolidation Payment Calculator calculate current debts versus one consolidation payment, rate, and total interest?
Debt Consolidation Payment Calculator model 17: normalized inputs are combined through the page-specific tax, amortization, margin, or ratio equation; every displayed total is derived from the same scenario.
Worked example
Which inputs have the biggest effect in the Debt Consolidation Payment Calculator?
Example 17: enter the prefilled values in the Debt Consolidation Payment Calculator; the primary result and supporting metrics update together so one changed assumption can be compared without mixing scenarios.
How to read the result
What does a worked Debt Consolidation Payment Calculator example show?
Read the primary result together with the supporting current debts versus one consolidation payment, rate, and total interest metrics.
Change one major assumption at a time to see whether the conclusion is stable.
Limits and assumptions
Which costs or rules are outside the Debt Consolidation Payment Calculator?
This planning model excludes case-specific eligibility, professional fees, local rules, and future rate or law changes unless the page explicitly includes them.