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Debt Consolidation Calculator

Add up to six debts and compare their combined monthly repayments with a proposed consolidation loan.

  • Free to use with no signup
  • No impact on your credit score
  • Clear estimates you can adjust
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Corey Marino

Reviewed by Corey Marino Founder & Finance Broker, FBAA member M-354085 · Diploma-qualified finance broker

Last reviewed 18 August 2026 · About Corey →

Interactive calculator

Debt 1

$
$
% p.a.

Debt 2

$
$
% p.a.
% p.a.
months
$
$

Estimated monthly cashflow saving

$0

Debts being consolidated
$0
Current monthly repayments
$0
Proposed monthly repayment
$0

A lower monthly repayment can still cost more over a longer term. Compare both the cashflow and total cost results.

Compare consolidation options

Important information

General estimate only. Obtain current payout figures and confirm fees, account closures and approved terms before making a decision.

Detailed assumptions and limitations
  • Each debt is modelled separately using its entered balance, repayment and rate.
  • The proposed establishment fee is financed and the monthly account fee is added to repayments.
  • A total-cost comparison is withheld if an entered repayment does not cover estimated monthly interest.
  • Future rate changes, payout fees, unentered charges and new spending on cleared accounts are excluded.

FAQ

Compare the full cost, not just the repayment.

A useful comparison includes payout figures, establishment fees, the new term and a plan to close repaid accounts.

It can, particularly if the new rate is lower or the term is longer. A lower repayment does not always mean a lower total cost.

Extending the term may add years of interest. Compare all repayments and fees over the remaining life of the current debts and the proposed loan.

Add the current balance, monthly repayment and interest rate for each account. Current payout figures give the most useful comparison.

Not always automatically. Confirm each payout and closure step, especially for credit cards and revolving limits, before relying on the new structure.

Read the debt consolidation break-even guide or explore debt consolidation loans.