Debt Consolidation Savings Calculator: See Your Exact Monthly Payment and Total Savings
Enter your current debt details and see exactly how much a consolidation loan could save you. The calculator estimates rates based on your credit score tier and accounts for origination fees.
Your Debt Details
Average US credit card APR is 22.8%. Check your statements for exact rates.
SoFi, LightStream, Discover, Marcus: 0%. Upgrade: 1.85-9.99%. Upstart: 0-12%.
Current Path (Credit Cards at 23%)
Monthly payment
$641/mo
Total interest over 4 years
$10,769
Consolidation Scenarios (Good (670-749))
Monthly
$507/mo
Total interest
$4,348
Net savings (after fees)
$6,421
Monthly
$547/mo
Total interest
$6,233
Net savings (after fees)
$4,536
Monthly
$598/mo
Total interest
$8,699
Net savings (after fees)
$2,070
Consolidation looks worthwhile. At the likely rate for your credit tier, you would save $4,536 after fees. Compare lenders to find the best rate.
Editorial Disclosure: This site provides independent educational content about debt consolidation loans. We are not a lender, financial advisor, or credit counseling agency. Rates, terms, and lender details are based on publicly available information as of April 2026 and may change. Always verify current terms directly with lenders before applying. This is not financial advice.