Debt Consolidation Calculator
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Debt consolidation combines multiple debts into a single loan, ideally at a lower interest rate. It simplifies payments and can reduce total interest paid. However, extending the repayment term can sometimes increase total interest even at a lower rate.
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Pro Tip
Consolidation only helps if you stop accumulating new debt. Many people consolidate, then rebuild their credit card balances — ending up worse off. Address the spending behavior, not just the numbers.
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Did You Know?
Americans carried over $1 trillion in credit card debt in 2023, with an average interest rate of 21%. Consolidating even half of that at 10% would save US consumers billions in interest annually.
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