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Debt Consolidation Calculator

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Debt Consolidation Calculator
Add your current debts to determine the best ways to consolidatethem, and estimate the savings you can make with the consolidation loan.


Updated on December 9, 2022

Many or all of the products we feature come from our partners, who pay us. This affects the products we write about and where and how the product is featured on the page. But, it doesn't affect our opinions. Our views are our own. Here's a list of and .



The calculator for debt consolidation below can help you decide if consolidation is right for you. The calculator will help you determine the best method of consolidating your debt and estimate your savings with the debt consolidation loan.
You can also based the credit score of your.
Debt consolidation calculator
How do I use the calculator for debt consolidation
Step 1 Input the balances, interest rates and the monthly payments you make to your unsecure debts such as credit cards, personal loans or payday loans.
Don't include secured debts like car loans or student loans here. There are better ways to manage those debts. (Learn how to and .)
Select "I'm completed" and look at the results of your calculator, based on the figures you entered:
A total balance is the total of all your outstanding debts or what you owe in total.
Rate of interest combining: Your average weighted percentage of all debts you put into the calculator.
Total monthly payment: The amount you're paying monthly towards these debts, including interest.
If you'll have debt free: the amount of time it takes to become debt-free, based on the current balance of your account and your monthly payments.

Step 2: Pick your credit score range in order to discover your options for debt consolidation. Based on the amount of your debt as well as your credit score, a consolidation may be the best fit.
If you're interested in consolidating a loan you can move the sliders beneath the table to enter an estimated rate as well as the repayment term you want (in years) to apply for the loan.
Step 3: Look at the similarities between your current debts and the loan for debt consolidation. loan.
Debt consolidation makes the most sense when your new total payment is less than the current total payment and you can save money on interest.
Are you looking to consolidate your debt? Check if you are eligible for a consolidation loan.
Just answer a few questions to get personalized results by our lenders.


The loan amount
on NerdWallet








What is the term "debt consolidation?
rolls your existing debts into one, usually with the benefit of a lower interest rate and shorter payoff time that will save you money as well as time until you can pay it off. This is often accomplished with a , but there are other options to consolidate debt, based on your particular situation.
Ways to consolidate debt
They are loans typically from an online lender credit union or bank, provide a large amount of cash to pay off multiple debts, leaving only one monthly payment to your debt.
The option is to transfer debt from a credit card to a credit card that charges no interest during a promotional period, typically between 15 and 21 months.
: If you are the owner of your house and you own it, you might be able to obtain a loan that is based on the equity of your house to help pay other obligations, but you risk losing your home if it isn't possible to keep up with payments.
If you have a savings account or an employer-sponsored retirement account, you could take out some of that money to pay off your obligations. The downsides are less funds for your retirement, and if you can't repay the loan, you'll owe penalties and taxes.
: This option combines many debts into a single monthly payment with lower rates of interest than most credit cards or loans however it usually has monthly and startup costs, and usually requires three to five years to pay off the debt.

>> MORE:
Which lender is right for me?
NerdWallet has evaluated the credit scores of more than 35 banks to help you choose one that's right for you. Here's a list of lenders that have standout .
Individual loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical

on LendingClub



LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.



5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.


APR 8.3-36.0%


Loan amount $1,000 - $40,000





on LendingClub





on Happy Money



Happy Money
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.



4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.


APR 7.99-29.99%


The loan amount is $5,000 to $40,000





on Happy Money





on PenFed Credit Union



PenFed Credit Union
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.



5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact to credit score fees and rates customers' experience, and responsible lending practices.


APR 7.74-17.99%


The loan amount is $600-$50,000.





on PenFed Credit Union





on the Upgrade



Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to consumers, including impact to credit score, fees and rates customers' experience, and responsible lending practices.



5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, the customer experience and responsible lending practices.


APR 8.49-35.97%


Amount of loan: $1,000 - $50,000





On Upgrading





on Upstart



Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, customer service and responsible lending practices.



4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.


APR 6.5-35.99%


Loan amount $1,000 - $50,000





on Upstart





on LightStream



LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.



5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees, customer experience and ethical lending practices.


APR Rates quoted are with AutoPay. 6.99-23.99%


Loan amount $5,000 - $100,000





on LightStream











on LightStream



LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact to credit score rate and fees as well as the customer's experience and ethical lending practices.



5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.


APR Rates mentioned are for AutoPay. 6.99-23.99%


Amount of loan: $5,000 - $100,000





on LightStream





on Axos



Axos
4.0 NerdWallet's ratings are determined by the editorial staff. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.



4.0 NerdWallet's rating is determined through our team of editors. The scoring formula is based on the factors we believe to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.


APR 7.99-14.99%


Loan amount $5,000 - $50,000





on Axos





on Upgrade



Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.



5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, fees and rates customers' experience, and responsible lending practices.


APR 8.49-35.97%


The amount of the loan is $1,000.





On Upgrading





on SoFi



SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and ethical lending practices.



5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.


APR 7.99-23.43%


Amount of loan: $5,000 - $100,000





on SoFi





on Best Egg



Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, such as the impact on credit score, rates and fees, the customer experience and ethical lending practices.



4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.


APR 8.99-35.99%


Loan amount $2,000 - $50,000





on Best Egg





on Achieve



Achieve
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.



5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and ethical lending practices.


APR 7.99-29.99%


The loan amount is $5,000 to $50,000.





on Achieve











on OneMain Financial



OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees, customer experience and ethical lending practices.



4.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact on credit score, rates and fees, customer experience and ethical lending practices.


APR 18.0-35.99 percent


Amount of loan $1,500-$20,000





on OneMain Financial





on Upstart



Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.



4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.


APR 6.5-35.99 percent


Loan amount $1,000 - $50,000





on Upstart





on Best Egg



Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.



4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.


APR 8.99-35.99%


Loan amount $2,000 - $50,000





on Best Egg





on Discover



Discover
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score rates and fees, customer service and responsible lending practices.



5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.


APR 6.99-24.99%


Loan amount $2,500 - $35,000





on Discover





on Achieving



Achieve
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.



5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and responsible lending practices.


APR 7.99-29.99%


Amount of loan: $5,000 - $50,000





On Achieving





on SoFi



SoFi
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.



5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score fees and rates as well as the customer's experience and responsible lending practices.


APR 7.99-23.43%


Loan amount $5,000 - $100,000





on SoFi











on Universal Credit



Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.



4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.


APR 11.69-35.93%


Loan amount $1,000 - $50,000





on Universal Credit





on Discover



Discover
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.



5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.


APR 6.99-24.99%


The loan amount is $2,500 to $35,000





on Discover





on Upstart



Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.



4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.


APR 6.5-35.99%


The amount of the loan is $1,000.





on Upstart





On Achieving



Reach your goals
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.



5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.


APR 7.99-29.99%


Amount of loan: $5,000 - $50,000





on Achieving





on SoFi



SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.



5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score rates and fees, customer experience and responsible lending practices.


APR 7.99-23.43%


Loan amount $5,000 - $100,000





on SoFi





on the Best Egg



Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score fees and rates as well as the customer's experience and ethical lending practices.



4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.


APR 8.99-35.99%


Loan amount $2,000 - $50,000





on Best Egg











on LightStream



LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.



5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.


APR Rates quoted are with AutoPay. 6.99-23.99%


The loan amount is $5,000 to $100,000.





on LightStream





on SoFi



SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score rate and fees, customer experience and responsible lending practices.



5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and ethical lending practices.


APR 7.99-23.43%


Amount of loan: $5,000 - $100,000





on SoFi





on Universal Credit



Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.



4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score rates and fees, the customer experience and responsible lending practices.


APR 11.69-35.93%


Amount of loan: $1,000 - $50,000





on Universal Credit





on LendingClub



LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates, customer experience and responsible lending practices.



5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.


APR 8.3-36.0%


Loan amount $1,000 - $40,000





on LendingClub





on Upstart



Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer experience and ethical lending practices.



4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.


APR 6.5-35.99 percent


The amount of the loan is $1,000.





on Upstart


















Most frequently requested questions. Can I combine all my debts into one payment?


You can combine all ones debt into one payment with the balance transfer card or a debt consolidation loan.
>> MORE:







Do debt consolidation loans hurt my credit score?


There could be a temporary drop in your credit scores after applying for a debt consolidation loan because lenders require a hard credit pull. However, your credit score should improve if you pay on-time payments and avoid running up new loans.
>> MORE:







What is the average interest rate for a credit consolidation loan?


Interest rates on mainstream debt consolidation loans generally range from 6% to 36%. You need to have a strong credit score to qualify for rates at the lowest end of the range.
>> MORE:







Can I use my credit cards after debt consolidation?


Credit cards after debt consolidation; however, you should use them sparingly and make sure you pay off your the balance in full, to avoid paying interest and running into more credit card debt.
>> MORE:









Do I have the option of consolidating all my debts into one payment?
You can consolidate all ones debts in one payment using an account that transfers balances or debt consolidation loan. >> MORE:


Do debt consolidation loans hurt my credit score?
You may see a temporary dip in your credit scores following applying for a debt consolidation loan because lenders require an official credit check. But, your credit scores should rebound if you make on-time payments and avoid running into new loans. >> MORE:


What is the average rate of interest for a consolidating debt loan?
Interest rates on mainstream debt consolidation loans typically vary from 6% to 36 percent. You need to have a strong credit score to be eligible for rates at the low end of that range. >> MORE:


Can I use my credit cards after debt consolidation?
You are able to use credit cards following debt consolidation but it's best to make use of them sparingly and pay off balances in full to keep from paying interest and building up more debt. >> MORE:










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