Add every debt you're carrying. Enter the consolidation offer you're considering. This tool compares them honestly — including a warning if the new rate is actually worse than what you're already paying, blended across everything.
Debt name
Balance
Rate %
Total balance
$0
Weighted rate
0%
Combined min/mo
$0
💰 The consolidation offer you're considering
New interest rate (% p.a.)
Loan term (months)
// the honest verdict
$0
interest saved by consolidating
GOOD DEAL
⚠️ Rate check
// total interest paid, current path vs consolidated
Current debts (minimum payments)$0
Consolidated loan$0
// payoff race — balance remaining over time
Current path vs consolidated loan, month by month
Current debts
Consolidated
⚠️ General information only, not financial advice. This tool assumes minimum payments only on existing debts (no extra repayments) and a fixed-rate, fully amortising consolidation loan. Real consolidation offers may include origination fees, balance transfer fees, or promotional rate periods that change the true cost — read your offer's fine print. If a debt's minimum payment doesn't cover its accruing interest, that debt technically never pays off; this is flagged where relevant. Nothing you enter here is saved or transmitted — all calculations run in your browser.