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Debt Consolidation Calculator

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Debt Consolidation Calculator

Plug in your current debts to see ways to consolidate, and estimate the savings you can make with the help of a consolidation loan.

Updated on December 9 2022.

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The debt consolidation calculator below will help you determine if consolidation is right for you. The calculator will suggest the best way to consolidate your debt and estimate your savings from credit consolidation loan.

It is also possible to base your decision the credit score of your.

Debt consolidation calculator

How do I use the calculator for debt consolidation

Step 1 Step 1: Enter the balances, interest rates and the monthly payments you make toward your unsecured debts like credit cards personal loans as well as payday loans.

Do not include secured debts such as car loans or student loans here. There are better ways to manage those debts. (Learn how to and .)

Select “I’m done” and look at the results of your calculator basing on the data you input:

A total balance is the sum of all your outstanding debts or the amount you owe total.

Interest rate Combined The average weighted rates of interest for credit cards you have in the calculator.

Total monthly payment: The amount that you’re paying each month towards these debts, including interest.

When you’ll be debt-free: The length of time you’ll need to be debt-free, based upon your current balance as well as monthly payments.

Step 2: Pick your credit score range to discover your options for debt consolidation. Based on the size of your debt as well as your credit score, a or may be a good fit.

If you’re considering the possibility of a consolidation loan you can drag the sliders below the table to input an estimated rate as well as the amount of repayment you’d like to pay (in years) in the application for the loan.

Step 3: Examine the relationship between your existing debts and your new debt consolidation loan.

The best way to consolidate debt is to do it in sense when your total payment is less than the current total amount and you can save money on interest.

Do you want to consolidate debt? Find out if you qualify for a debt consolidation loan.

Simply answer a few questions to get personalized results by our lenders.

Loan amount

on NerdWallet

What is debt consolidation?

Consolidates all your existing debts into one, ideally with the benefit of a lower interest rate and a shorter payment time, saving you money and time to pay off. This is often accomplished with a , but there are different ways to consolidate debt, based on your particular situation.

Ways to consolidate debt

: These loans typically come from an online lender bank or credit union, provide a large amount of money to pay off multiple debts, leaving you with one monthly debt payment.

The option is to transfer credit card debt onto the credit card which charges no interest for the duration of a promotional period, usually 15 to 21 months.

: In the event that you have your own house then you might be able to get a loan based on the equity of your house to help pay your other obligations, but you risk losing your home if it isn’t possible to make payments on time.

If you’re a member of a retirement savings or retirement account sponsored by your employer it is possible to take some of that money to pay off loans. There are a few disadvantages, including less money to fund your retirement and if you don’t pay back the loan then you’ll have to pay taxes and penalties.

The option is to combine multiple debts into one monthly payment at lower rates of interest than most credit cards or loans however it usually comes with monthly and start-up costs, and usually takes between three and five years to pay off the debt.

>> MORE:

Which loan is the best one for me?

NerdWallet has evaluated over 35 lending institutions to assist pick the one that is right for you. Below is a list lenders with standout features .

Personal loans from our partners

Debt Consolidation Big Purchase Emergency Home Improvement Medical

on LendingClub

LendingClub

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer’s experience and ethical lending practices.

APR 8.3-36.0%

Amount of loan: $1,000 – $40,000

on LendingClub

on Happy Money

Happy Money

4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers’ experience, and responsible lending practices.

4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees customers’ experience, and responsible lending practices.

APR 7.99-29.99%

Loan amount $5,000 – $40,000

on Happy Money

on PenFed Credit Union

PenFed Credit Union

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score fees and rates as well as the customer’s experience and responsible lending practices.

APR 7.74-17.99%

Loan amount $600 – $50,000

on PenFed Credit Union

on Upgrade

Upgrade

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and ethical lending practices.

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.

APR 8.49-35.97%

Amount of loan: $1,000 – $50,000

On Upgrading

on Upstart

Upstart

4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.

4.5 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.

APR 6.5-35.99 percent

Amount of loan: $1,000 – $50,000

on Upstart

on LightStream

LightStream

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer’s experience and ethical lending practices.

APR Rates are based on AutoPay. 6.99-23.99%

Amount of loan: $5,000 – $100,000

on LightStream

on LightStream

LightStream

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be beneficial to consumers, such as the impact on credit score fees and rates customers’ experience, and responsible lending practices.

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees customers’ experience, and responsible lending practices.

APR Rates are based on AutoPay. 6.99-23.99%

Amount of loan: $5,000 – $100,000

on LightStream

on Axos

Axos

4.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.

4.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers’ experience, and responsible lending practices.

APR 7.99-14.99%

Amount of loan: $5,000 – $50,000

on Axos

On Upgrading

Upgrade

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.

5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers’ experience, and responsible lending practices.

APR 8.49-35.97%

Loan amount $1,000 – $50,000

On Upgrading

on SoFi

SoFi

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers’ experience, and responsible lending practices.

APR 7.99-23.43%

Loan amount $5,000 – $100,000

on SoFi

on Best Egg

Best Egg

4.5 NerdWallet’s ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees, the customer experience and responsible lending practices.

4.5 NerdWallet’s ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact on credit score, fees and rates customers’ experience, and ethical lending practices.

APR 8.99-35.99%

Amount of loan $2,000 – $50,000

on the Best Egg

on Achieving

Reach your goals

5.0 NerdWallet’s ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer service and responsible lending practices.

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer’s experience and ethical lending practices.

APR 7.99-29.99%

Loan amount $5,000 – $50,000

on Achieving

on OneMain Financial

OneMain Financial

4.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.

4.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on credit score, fees and rates, customer experience and responsible lending practices.

APR 18.0-35.99 percent

The loan amount is $1,500 to $20,000

on OneMain Financial

on Upstart

Upstart

4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers’ experience, and ethical lending practices.

4.5 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.

APR 6.5-35.99 Percent

The amount of the loan is $1,000.

on Upstart

on Best Egg

Best Egg

4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.

4.5 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, the customer experience and responsible lending practices.

APR 8.99-35.99%

Loan amount $2,000 – $50,000

on the Best Egg

on Discover

Discover

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer’s experience and responsible lending practices.

APR 6.99-24.99%

The loan amount is $2,500 to $35,000

on Discover

on Achieving

Achieve

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates customers’ experience, and responsible lending practices.

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices.

APR 7.99-29.99%

Loan amount $5,000 – $50,000

on Achieve

on SoFi

SoFi

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as the impact on credit scores fees and rates, customer experience and ethical lending practices.

APR 7.99-23.43%

Amount of loan: $5,000 – $100,000

on SoFi

on Universal Credit

Universal Credit

4.5 NerdWallet’s ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees, customer experience and ethical lending practices.

4.5 NerdWallet’s ratings were determined by our editorial team. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.

APR 11.69-35.93%

Amount of loan: $1,000 – $50,000

on Universal Credit

on Discover

Discover

5.0 NerdWallet’s ratings are determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer’s experience and ethical lending practices.

APR 6.99-24.99%

Loan amount $2,500 – $35,000

on Discover

on Upstart

Upstart

4.5 NerdWallet’s ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score, fees and rates customers’ experience, and ethical lending practices.

4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula considers factors we consider to be a good choice for consumers, such as impact to credit score fees and rates as well as the customer’s experience and responsible lending practices.

APR 6.5-35.99 percent

The amount of the loan is $1,000.

on Upstart

on Achieve

Attain

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer’s experience and ethical lending practices.

APR 7.99-29.99%

Loan amount $5,000 – $50,000

on Achieving

on SoFi

SoFi

5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer service and responsible lending practices.

APR 7.99-23.43%

Amount of loan: $5,000 – $100,000

on SoFi

on the Best Egg

Best Egg

4.5 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, such as the impact on credit score fees and rates, customer experience and responsible lending practices.

4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, fees and rates as well as the customer’s experience and responsible lending practices.

APR 8.99-35.99%

Loan amount $2,000 – $50,000

on the Best Egg

on LightStream

LightStream

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees, customer service and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer’s experience and ethical lending practices.

APR Rates mentioned are for AutoPay. 6.99-23.99%

Loan amount $5,000 – $100,000

on LightStream

on SoFi

SoFi

5.0 NerdWallet’s rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees customers’ experience, and responsible lending practices.

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including the impact on credit score rate and fees, customer experience and ethical lending practices.

APR 7.99-23.43%

Loan amount $5,000 – $100,000

on SoFi

on Universal Credit

Universal Credit

4.5 NerdWallet’s ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.

4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer experience and ethical lending practices.

APR 11.69-35.93%

Loan amount $1,000 – $50,000

on Universal Credit

on LendingClub

LendingClub

5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.

5.0 NerdWallet’s rating is determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, such as the impact on credit scores, rates and fees, customer experience and ethical lending practices.

APR 8.3-36.0%

The amount of the loan is $1,000.

on LendingClub

on Upstart

Upstart

4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including the impact on credit score rates and fees, customer service and responsible lending practices.

4.5 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer’s experience and ethical lending practices.

APR 6.5-35.99 percent

Amount of loan: $1,000 – $50,000

on Upstart

Frequently answered questions. Is it possible to combine all my debts into one payment?

You can consolidate all ones debt into one payment using a balance transfer card or a debt consolidation loan.

>> MORE:

Do debt consolidation loans hurt my credit score?

You may see a temporary dip in your credit score after applying for the consolidation loan as lenders require an official credit check. But, your credit scores will improve if you make timely payments and don’t rack up new loans.

>> MORE:

What is the typical interest rate on the debt consolidation loan?

Interest rates on mainstream debt consolidation loans typically vary from 6% to 36 percent. You must have strong credit to be eligible for rates at the low end of that range.

>> MORE:

Can I use my credit cards after debt consolidation?

Credit cards after debt consolidation; however, you should use them sparingly and make sure you pay off your all outstanding balances on time to avoid the cost of interest and build into more debt.

>> MORE:

Can I consolidate all of my debts into one lump sum?

It is possible to consolidate all of your debts into one payment with an account that transfers balances or loan for debt consolidation. loan. >> MORE:

Do debt consolidation loans hurt my credit score?

You may see a temporary dip in your credit scores following applying for an debt consolidation loan because lenders require a hard credit pull. However, your credit score should rebound if you make timely payments and don’t rack on new debt. >> MORE:

What is the average rate of interest on the credit consolidation loan?

Interest rates on mainstream debt consolidation loans typically range from 6% up to 36 percent. You must have strong credit to qualify for rates at the lowest end of the range. >> MORE:

Can I use my credit cards after debt consolidation?

You are able to use credit cards after consolidating debt; however, it’s best to only use them in moderation and pay off the balance in full, to keep from paying interest and building over additional debt. >> MORE:

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