Debt Consolidation Calculator
Compare your existing credit card balances and high-interest personal loans against a single fixed-rate consolidation loan. Calculate exact monthly cash flow savings and interest reductions.
Existing Debts & Credit Cards
New Consolidation Loan Terms
Consolidation Comparison
Net monthly cash flow and total interest saved
Debt Consolidation Mathematical Architecture
Weighted Average APR
If the new consolidation loan APR is lower than your weighted average APR, you are engaging in profitable interest rate arbitrage that reduces interest expense.
Total Net Interest Savings
Upfront origination fees (typically 1% to 5%) are added directly into the consolidation loan principal to measure true net savings after all borrowing costs.
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