The goal of this debt consolidation calculator is to give a visible working tool to allow you to see the real cost of getting out of debt. Living debt free is, frankly, a wonderful feeling. It allows you the luxury of buying what you want, when you want it because you're no longer spending your entire paycheck in unnecessary monthly payments that barely touch the original costs of the goods you purchased. Most Americans in debt spend the vast majority of their income in Interest payments that have absolutely no long term benefits.

Once you've factored your total debt, you can then see what loan programs may help you to better manage your monthly cash flow. In the end, becoming debt free requires discipline and strategy. Saving money every month can keep you out of debt. The biggest cause of most financial crises result from people not living within their means and financing their future income.

Please Note: When entering information into the data fields only use numbers and applicable decimal points. Using commas, dollar signs, or any other non-numeric characters will result in the calculator not working as intended.

(ex. 6.25)

(ex. 5)

(ex. 250)