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Debt & Credit
Compare total cost and monthly payment before and after a modeled consolidation loan.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Debt Consolidation Calculator
Modeled total-cost saving
$5,062
Current modeled monthly payment
$508
Consolidation modeled monthly payment
$415
What changes this most?
Compare total repaid and payoff date, not just the monthly payment.
Sensitivity check
A roughly 10% move in current blended apr changes the modeled headline result by up to $1,187 in this setup.
A lower monthly payment can still cost more overall if the term is extended. Eligibility and actual fees/rates are not modeled.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
Current aggregate debt cost is compared with a new amortising consolidation loan using explicit APRs, terms and fees.
The current-debt side models the entered balance as one amortising loan at the entered blended APR and remaining term. The consolidation side uses a new APR and term plus upfront fees.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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