Debt consolidation calculator.

Helps you:

  • Itemise and review your total unsecure debt and monthly repayments.
  • Identify savings by consolidating this debt into a new loan based on a new rate and time frame.
  • This is not a mortgage refinance or credit card balance transfer calculator.

*Note: The results from this debt consolidation calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. It is advised that you consult your financial adviser before taking out a loan. It is a rough guide only for ease in simulation.

How much could debt consolidation save you?

Current Debt


Total Debt$0

Total Repayments$0 per month

New Consolidation Loan

Interest Rate
Years to pay back

New Monthly Payment$0

You could save$0 per month

How to use this debt consolidation calculator

  1. Add all your unsecure debt (personal loans, credit cards, store cards, payday loans, outstanding bills, etc) into the calculator. Use the ‘add another’ feature for each debt inserting the debt amount and current repayment based on week, fortnight or month.
  2. Then use the ‘Interest Rate’ and ‘Years to pay back’ features to see potential savings and new monthly repayment.

When considering a debt consolidation loan make sure:

  • You are fully informed across terms and pros/cons of the finance.
  • Your repayments have been reduced and there is a real long term benefit to you.
  • You are aware of all fees, costs and total amount to be repaid.
  • You have achieved control over all your debt.

Whilst debt consolidation is effective
– there are other options

A debt consolidation loan can be a good tactic for tackling debt. However, not everyone qualifies and though there are benefits, there are also drawbacks. Before committing to any type of debt reduction strategy, make sure you are aware of all options – Learn more about and compare different debt relief strategies here.

Tackle Debt with the Right Solution!

Everyones debt is different, get proven relief strategies to determine what is right for you.

Tell us about your debt

See what you could save

Take control of debt