§ Tool · tier 1 · independent
Debt Consolidation Calculator.
Combine multiple credit card debts into one manageable payment
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Juggling multiple credit cards? Debt consolidation combines them into one payment, often at a lower rate. But is it right for you? This calculator compares the numbers.
§ Worked examples
Real-world scenarios
3-Card Consolidation
Card 1: $3,000 at 20%. Card 2: $5,000 at 22%. Card 3: $2,000 at 19%. Consolidate to 12% personal loan over 36 months.
Inputs
card1Balance:3,000card1Rate:20card2Balance:5,000card2Rate:22card3Balance:2,000card3Rate:19consolidationRate:12consolidationTerm:36
Current: $323/month combined, $3,892 interest over 36 months. Consolidated: $332/month, $1,968 interest. Saves $1,924!
§ FAQ
Questions Australians ask
§ GlossaryDebt Consolidation Combining multiple debts into a single loan with one payment. Weighted Average Rate The combined interest rate across all debts based on their balances. Secured vs Unsecured Secured loans (using your home/car) have lower rates but more risk.