Debt Consolidation Calculator
See how much you may save by switching high-interest card debt to a lower-rate consolidation loan.
Debt Scenario
$
Average store cards can run near 29% APR.
Personal loans often fall near 9-12% for qualified borrowers.
3 Years
Apples-to-Apples Comparison
This compares both paths over the same payoff term, so the savings reflect the rate change rather than a different timeline.
Monthly Payment
$573$477
Monthly Cash Flow Saved
$96/mo
You save $3,451 in total interest.
Current Debt
APR
22%
Total Interest
$5,623
Lower Rate
Consolidated Loan
APR
9%
Total Interest
$2,172
Ready to compare lower-rate options?
Estimated savings assume the debt is paid off in the same timeframe. Actual offers depend on credit, income, lender terms, and fees.