Consolidation comparison
Compare an assumed new loan with the current payment path.
A clearer picture starts with the inputs.
Enter the figures, then calculate. The result will show here with the important limits.
No loan application, settlement offer or provider request is made.
Method, assumptions & limits
The calculation runs in your browser. Inputs are not submitted to a provider and are not saved to an account. Your browser may restore form values when you navigate back. Use Reset inputs when finished on a shared device. Figures are illustrative US dollars. Proposed loan uses a fixed amortizing monthly payment before rounding, with a zero-rate special case. APR input is treated as the interest rate; it is not a legal APR calculation inclusive of fees. Compare a real offer separately. Current path is a simplified fixed-rate, fixed-payment single balance. A blended rate can hide differences among accounts. No new borrowing, variable/promotional rate changes or collateral effects are modeled.
Sources for this page
- Consumer Financial Protection Bureau: What do I need to know about consolidating my credit card debt?
- Consumer Financial Protection Bureau: What is a "daily periodic rate" on a credit card?
Selected public guidance checked October 29, 2026. Source guidance is general; laws, contracts, program terms and individual circumstances can change the result. How we use sources.
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