Debt consolidation calculator
Enter your current balances and their APRs, then the APR and term you want to compare. Both sides are paid off over the same term, so you can see how the monthly payment and total interest compare.
It doesn't include fees, balance transfer costs or changes to a variable rate, and it isn't an offer. Real savings depend on the terms a lender offers you.
Estimate what a consolidation loan could save
Enter your current balances and their APRs, then the APR and term you want to compare. Both are paid off over the same term.
Estimates only, based on the numbers you enter. Not an offer of credit. Lendara is not a lender.
Explore debt consolidation options
About this estimate
What does this calculator include?
It compares paying off the balances you enter at their current APRs with one loan at the APR you enter, both over the same term. Fees aren't included.
Why might a real offer differ?
Lenders set their own rates, terms and fees based on your credit profile and other details. A fee or a different term can change whether consolidating saves money.
Does Lendara set the rate?
No. Lendara is a marketplace, not a lender, and doesn't make credit decisions. Rates, terms and fees come from each lender and depend on their own review.
Related guides
- Debt Consolidation Basics
What debt consolidation is, how it generally works, and questions worth asking before you combine multiple balances into one.
- How to Compare Debt Consolidation Loan Offers
How to compare debt consolidation loan offers on APR, origination fees, term length, total cost and prepayment penalties before you consolidate.
- Debt Consolidation Loan vs. Balance Transfer Card
How a debt consolidation loan and a balance transfer card each combine existing balances, what they cost, what happens when a promotional rate ends, and how to choose.
Lendara is not a lender and does not make credit decisions. Rates and terms vary by lender.