Debt tools
Should I consolidate my debt?
One payment instead of five is easier to live with, but only helps your wallet if the new rate beats what you are paying now — after any fee. Tick the debts you would roll in, leave the cheap ones out, and see both sides.
What you owe now
TICK WHAT YOU'D ROLL INThe consolidation loan
OFFEROptional. Enter a limit and the ticks above are set to the debts worth paying off within it — highest rate first, stopping at anything priced below the loan. You can change them afterwards.
Add at least one debt with a balance and minimum payment, plus the loan you were offered.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
Related calculators
Should I refinance to pay off debt?
Roll high-rate debts into a new mortgage and see the blended rate, the monthly saving, and what it costs over the full term.
Should I snowball or avalanche?
Compare the snowball and avalanche methods across all your balances.
Should I do a balance transfer?
See what a 0% window saves once the transfer fee is counted.
Should I use a HELOC to pay off debt?
Trade a high rate for a lower one — and see the payment jump when the draw period ends.