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Consolidation Savings Calculator
Enter your current debts and see whether a personal loan, balance transfer, or debt management plan would actually save you money — including all fees. We'll show you an honest negative result if consolidation costs more than your current path.
Your Current Debts
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Default Assumptions (All Sourced)
| Assumption | Value | Source |
|---|---|---|
| Credit card APR | 24.0% | Federal Reserve, 2025 |
| Consolidation APR (good credit) | 15.5% | LendingTree Q4 2025 |
| Origination fee | 3.0% | Industry average |
| Balance transfer fee | 3.0% | Industry average |
| BT promo period | 18 months | Common offering |
| Post-promo APR | 24.0% | Federal Reserve, 2025 |
| DMP interest rate | 8.0% | NFCC average |
| DMP fees | $45 setup + $30/mo | NFCC average |