Calculator
Debt consolidation comparison calculator
Consolidating to a lower rate can help — but the transfer fee eats into the savings. Enter your numbers to compare both paths over the same payoff window.
Runs entirely in your browser — nothing you type is stored or sent anywhere. Illustrative math only, not a quote, guarantee, or advice.
What this assumes
- Amortizes each balance over the months you choose with a fixed monthly payment.
- Adds any transfer fee to the new balance and assumes no new charges.
- Real payoff depends on your exact terms, timing, and payments.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.