1. Existing Outstanding Debt
Enter each debt manually. For variable debt, choose the index and enter the margin; current public index values can be retrieved and manually overridden.
This calculator runs in your browser and does not save or send the values you enter. Statement uploads are disabled. Avoid entering names, account numbers, or other identifying details.
| # | Creditor / Debt | Type | Principal ($) | Rate Structure | Fixed Rate (%) | Fixed Period Remaining (mo.) | Index | Current Index (%) | Margin (%) | Fully Indexed Rate | Compounding | Term (mo.) | Min. Payment ($) | Monthly Interest | Effective Annual Rate | Consolidate? | Data Entry | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Totals / Blended Metrics | $0 | $0 | $0 | 0.00% | ||||||||||||||
2. Debt Selected for Consolidation
These figures become the base loan amount for each proposed scenario.
Principal Included
$0
Current Monthly Payments
$0
Current Monthly Interest
$0
Blended Effective Rate
0.00%
Annualized Initial Interest
$0
Current monthly interest × 12
3. Proposed Consolidation Loan Scenarios
Variable-rate scenarios use current index + margin. Fixed-to-variable scenarios use the fixed rate initially and display the fully indexed reset rate separately.
4. Comparison Summary
Initial payment savings use the rate in effect at origination. Variable reset payment is shown where applicable.
Best Initial Payment Savings
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Lowest Initial Effective Rate
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Lowest Initial Monthly Interest
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Important: Variable-rate projections use the current index value and do not predict future index movements. A lower initial payment can result from a longer term or an interest-only period and may increase lifetime interest cost.
Amortization Detail
| Month | Beginning Balance | Payment | Interest | Principal | Ending Balance | Cumulative Interest | Cumulative Payments |
|---|