Υπολογιστής ενοποίησης χρέους

See if consolidating your debts could save you money and simplify payments.

Τα στοιχεία σας

Your Current Debts

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Consolidation Loan Terms

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Compare Consolidation Options

Add your current debts (balance, rate, monthly payment), then enter the consolidation loan rate, term, and fees. See monthly savings, interest savings, and whether consolidation is beneficial.

Πλήρης Οδηγός χρήσης

What is the Debt Consolidation Calculator?

This calculator compares your current debts (multiple loans or cards) with a single consolidation loan. You enter each debt's balance, interest rate, and monthly payment; then you enter the proposed consolidation loan's rate, term, and any fees.

Results show whether consolidation saves money (monthly and total interest), your new single payment, a recommendation, an interest comparison chart, and a sample amortization schedule for the consolidation loan.

Key Metrics

Μηνιαία Αποταμίευση

Current total monthly payment minus the consolidation loan payment. Positive means a lower payment.

Εξοικονόμηση τόκων

Total interest you would pay on current debts minus total interest on the consolidation loan. Positive means you save on interest.

Recommendation

Based on your inputs: beneficial (saves money and time), saves interest but higher payment, lowers payment but more interest, or not beneficial.

Πώς να χρησιμοποιήσετε αυτήν την αριθμομηχανή

  1. Add each current debt: name, balance, interest rate, and monthly payment.
  2. Enter the consolidation loan's interest rate, term (years), and any origination fees.
  3. Click Calculate to see monthly savings, interest savings, recommendation, and comparison chart.
  4. Use Remove to delete a debt row; Add Debt to add more.

Κατανόηση των αποτελεσμάτων σας

Time to payoff for current debts is estimated using your entered monthly payments. The consolidation loan amount is the sum of all debt balances plus any fees. If the consolidation rate is lower than your weighted average rate and the term is reasonable, you often save both monthly and total interest.

If you have upfront fees, consider how many months of monthly savings it takes to break even. The schedule shows principal and interest for the consolidation loan over time.

Understanding the Chart

The bar chart compares current debts vs consolidated: principal (amount borrowed) and interest (cost of borrowing). Lower interest on the consolidated side means you save money.

Σημαντικές Σημειώσεις

  • Results are estimates. Actual consolidation offers depend on your credit and lender. Don't close paid-off accounts until the new loan is funded.
  • Including fees in the loan increases the amount you borrow and total interest; compare with and without fees.
  • Consolidation works best when the new rate is lower than your weighted average and you avoid taking on new debt.

Tips

•Get quotes from multiple lenders (banks, credit unions, online) before consolidating.
•Check if the consolidation loan has a lower APR than your current weighted average rate.
•Factor in origination or balance-transfer fees; they can reduce net savings.
•Use a shorter term if you can afford it to save more interest.

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