Debt Consolidation Loan Calculator
Free debt consolidation loan calculator to calculate monthly payments, total interest, and savings. Compare your existing debts with a consolidation loan. Plan your debt consolidation for USA, Canada, UK, India, Australia, New Zealand, South Africa, Malaysia, Navy Federal, Wells Fargo, and more.
Consolidation Loan Details
Select your region or lender to use appropriate currency and formatting
Total amount: $25,000.00 (sum of existing debts)
Enter as percentage (e.g., 7.5 for 7.5%)
Common terms: 36, 48, 60, 72 months
One-time fee for consolidating debts (e.g., origination fee)
Existing Debts
Debt 1
Debt 2
Debt 3
Consolidation Loan Summary
Monthly Payment (EMI)
$500.95
Total Interest
$5,056.92
Total Payment
$30,056.92
Comparison with Existing Debts
Monthly Savings
$199.05
Save per month
Interest Savings
$12,883.08
Save in interest
Total Savings
$12,883.08
Save overall
Months Saved
0
Same or longer term
Current Total Monthly Payment:
$700.00
Current Total Interest:
$17,940.00
Payment Schedule
| Month | Payment Date | Principal | Interest | Total Payment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | December 1, 2025 | $344.70 | $156.25 | $500.95 | $24,655.30 |
| 2 | January 1, 2026 | $346.85 | $154.10 | $500.95 | $24,308.45 |
| 3 | February 1, 2026 | $349.02 | $151.93 | $500.95 | $23,959.43 |
| 4 | March 1, 2026 | $351.20 | $149.75 | $500.95 | $23,608.22 |
| 5 | April 1, 2026 | $353.40 | $147.55 | $500.95 | $23,254.83 |
| 6 | May 1, 2026 | $355.61 | $145.34 | $500.95 | $22,899.22 |
| 7 | June 1, 2026 | $357.83 | $143.12 | $500.95 | $22,541.39 |
| 8 | July 1, 2026 | $360.07 | $140.88 | $500.95 | $22,181.33 |
| 9 | August 1, 2026 | $362.32 | $138.63 | $500.95 | $21,819.01 |
| 10 | September 1, 2026 | $364.58 | $136.37 | $500.95 | $21,454.43 |
| 11 | October 1, 2026 | $366.86 | $134.09 | $500.95 | $21,087.57 |
| 12 | November 1, 2026 | $369.15 | $131.80 | $500.95 | $20,718.42 |
| 13 | December 1, 2026 | $371.46 | $129.49 | $500.95 | $20,346.96 |
| 14 | January 1, 2027 | $373.78 | $127.17 | $500.95 | $19,973.18 |
| 15 | February 1, 2027 | $376.12 | $124.83 | $500.95 | $19,597.07 |
| 16 | March 1, 2027 | $378.47 | $122.48 | $500.95 | $19,218.60 |
| 17 | April 1, 2027 | $380.83 | $120.12 | $500.95 | $18,837.77 |
| 18 | May 1, 2027 | $383.21 | $117.74 | $500.95 | $18,454.56 |
| 19 | June 1, 2027 | $385.61 | $115.34 | $500.95 | $18,068.95 |
| 20 | July 1, 2027 | $388.02 | $112.93 | $500.95 | $17,680.93 |
| 21 | August 1, 2027 | $390.44 | $110.51 | $500.95 | $17,290.49 |
| 22 | September 1, 2027 | $392.88 | $108.07 | $500.95 | $16,897.60 |
| 23 | October 1, 2027 | $395.34 | $105.61 | $500.95 | $16,502.27 |
| 24 | November 1, 2027 | $397.81 | $103.14 | $500.95 | $16,104.46 |
| 25 | December 1, 2027 | $400.30 | $100.65 | $500.95 | $15,704.16 |
| 26 | January 1, 2028 | $402.80 | $98.15 | $500.95 | $15,301.36 |
| 27 | February 1, 2028 | $405.32 | $95.63 | $500.95 | $14,896.05 |
| 28 | March 1, 2028 | $407.85 | $93.10 | $500.95 | $14,488.20 |
| 29 | April 1, 2028 | $410.40 | $90.55 | $500.95 | $14,077.80 |
| 30 | May 1, 2028 | $412.96 | $87.99 | $500.95 | $13,664.84 |
| 31 | June 1, 2028 | $415.54 | $85.41 | $500.95 | $13,249.30 |
| 32 | July 1, 2028 | $418.14 | $82.81 | $500.95 | $12,831.15 |
| 33 | August 1, 2028 | $420.75 | $80.19 | $500.95 | $12,410.40 |
| 34 | September 1, 2028 | $423.38 | $77.57 | $500.95 | $11,987.02 |
| 35 | October 1, 2028 | $426.03 | $74.92 | $500.95 | $11,560.99 |
| 36 | November 1, 2028 | $428.69 | $72.26 | $500.95 | $11,132.29 |
| 37 | December 1, 2028 | $431.37 | $69.58 | $500.95 | $10,700.92 |
| 38 | January 1, 2029 | $434.07 | $66.88 | $500.95 | $10,266.85 |
| 39 | February 1, 2029 | $436.78 | $64.17 | $500.95 | $9,830.07 |
| 40 | March 1, 2029 | $439.51 | $61.44 | $500.95 | $9,390.56 |
| 41 | April 1, 2029 | $442.26 | $58.69 | $500.95 | $8,948.31 |
| 42 | May 1, 2029 | $445.02 | $55.93 | $500.95 | $8,503.28 |
| 43 | June 1, 2029 | $447.80 | $53.15 | $500.95 | $8,055.48 |
| 44 | July 1, 2029 | $450.60 | $50.35 | $500.95 | $7,604.88 |
| 45 | August 1, 2029 | $453.42 | $47.53 | $500.95 | $7,151.46 |
| 46 | September 1, 2029 | $456.25 | $44.70 | $500.95 | $6,695.21 |
| 47 | October 1, 2029 | $459.10 | $41.85 | $500.95 | $6,236.10 |
| 48 | November 1, 2029 | $461.97 | $38.98 | $500.95 | $5,774.13 |
| 49 | December 1, 2029 | $464.86 | $36.09 | $500.95 | $5,309.27 |
| 50 | January 1, 2030 | $467.77 | $33.18 | $500.95 | $4,841.51 |
| 51 | February 1, 2030 | $470.69 | $30.26 | $500.95 | $4,370.82 |
| 52 | March 1, 2030 | $473.63 | $27.32 | $500.95 | $3,897.18 |
| 53 | April 1, 2030 | $476.59 | $24.36 | $500.95 | $3,420.59 |
| 54 | May 1, 2030 | $479.57 | $21.38 | $500.95 | $2,941.02 |
| 55 | June 1, 2030 | $482.57 | $18.38 | $500.95 | $2,458.46 |
| 56 | July 1, 2030 | $485.58 | $15.37 | $500.95 | $1,972.87 |
| 57 | August 1, 2030 | $488.62 | $12.33 | $500.95 | $1,484.25 |
| 58 | September 1, 2030 | $491.67 | $9.28 | $500.95 | $992.58 |
| 59 | October 1, 2030 | $494.75 | $6.20 | $500.95 | $497.84 |
| 60 | November 1, 2030 | $497.84 | $3.11 | $500.95 | $0.00 |