Debt Consolidation Loan Calculator
Merge high-rate debts into one lower payment.
Your figures stay on your computer — no server, no tracking, no registrationTry: Current balance=15000, Old APR=18, New APR=9, Term=4 → $15,000, 18%, 9%, $441, $373, $67, $3,233
How to use
Consolidation replaces several debts with one loan at a lower rate. Enter your current balance, the old blended rate and the new rate to see the monthly and lifetime savings.
Formula
Compare PMT(old) vs PMT(new) on the same balance.
FAQ
Always saves money?
Only if the new rate and fees beat your current weighted rate.
Watch the term
A longer term can lower the payment but raise total interest.
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