Debt Consolidation Calculator
This calculator will show you how consolidating your all of your debts into one lower interest loan can reduce your monthly payments.

Enter each one of the debts that you would like to pay off, along with their corresponding principal balances, interest rates, and monthly payment amounts. Once you have all your debts entered, make any desired changes to the "New Loan Information" default entries and then click on the "Calculate New" button.

Balance Payment Interest
Additional Cash?
New Loan Information
Enter data about your planned New Loan with us (change any of the proposed numbers below).
Proposed interest rate (%):
Loan term:
Estimated closing costs ($):
Federal & state tax rate (%):
Results Current New Loan
Total debts:
Effective rate before taxes:
Effective rate after taxes:
Total monthly payment:
Monthly savings:
Annual savings:
Five year savings:
Ultimate Savings Report
What if you were to pay the same OLD payments instead of your NEW LOWER PAYMENTS... (which is your choice every month)... your monthly SAVINGS will reduce the loan principal each month, SHORTENING the loan itself... without ANY more costs than you used to pay.
Total years SAVED if same OLD payments are made on NEW loan:
Total years until "FREE & CLEAR" if savings are paid to principal:
TOTAL INTEREST SAVED over life of loan if savings are applied to principal:
Calculators  >  Debt Calculators  >  Debt Consolidation Calculator 1
Accelerated Debt Payoff Calculator -- Find out how much time and money you can save by paying off your debts as quickly as possible.  Print out an individualized payment schedule and payoff summary based on your current debts.
Average Interest Rate on All Debts -- Find out what your average interest rate on up to 15 of your debts.
Debt Consolidation Calculator 2 -- Find out if you could save if you consolidated all of your debts into a home equity or personal loan and how much quicker you could get out of debt.
Debt Payoff Goal Calculator --  Compute how much you will need to pay each month in order to pay off a given debt by a selected payoff-goal date.
Debt Investment Calculator -- Compute how much interest you will save by adding an additional principal payment to the next regularly scheduled payment on any given debt.
Debt Ratio Calculator -- Find out if your debt ratio exceeds the amount recommended by financial experts.
Minimum Payment Calculator -- Find out how much interest you will pay and how many years it will take you to pay off your credit card debt if you only make the minimum monthly payment each month.
Credit Card Principal / Interest Calculator -- how much of your current credit card payment is being applied to the principal balance and how much is pure interest.
Credit Cards:  Fixed vs. Minimum Payment Calculator -- How much interest can you save if you start making fixed payments on your credit card rather than the minimum payment.