Calculator
Debt Consolidation Calculator
Estimate monthly payments, total interest and whether consolidation may save or cost more.
- Runs in your browser
- Uses official rate sources
- No account needed
Methodology
Each debt is amortised over the selected payoff period. A proposed consolidation loan is compared over the same period.
Example Calculation
Add a credit card and personal loan, then compare separate repayments with a 9 percent consolidation loan over 36 months.
Estimate Disclaimer
Results are estimates for general information and are not financial, tax, employment or mortgage advice.
FAQ
Frequently Asked Questions
Is consolidation always better?
No. A lower monthly payment can cost more overall if the term is longer or the rate is not lower enough.
Does this affect my credit file?
No. The calculator runs locally and does not perform a credit search.