Debt Consolidation Break-Even Calculator
Compare current debts with a consolidation loan, including monthly payments, fees, total interest, payoff time, and break-even month.
Last updated: August 2026
Existing debts
Consolidation loan
Option comparison
| Option | Monthly payment | Payoff time | Interest | Fees | Total paid |
|---|
Planning scenarios
A lower monthly payment can still increase total interest if repayment takes longer. Actual lender offers, fees, prepayment penalties, variable rates, and credit effects are not included unless entered. This is a planning estimate, not a loan offer.