Debt Consolidation Calculator illustration

Debt Consolidation Calculator

Compares keeping your current debts (paid at their minimums) with rolling them into a single consolidation loan, including the arrangement fee, and shows which path costs less overall.

Notes

  • Consolidation helps only if the new rate is genuinely lower and you stop re-borrowing on the cleared cards.
  • This is an educational estimate, not financial advice; talk to a qualified adviser before making money decisions.