See whether a consolidation loan or a 0% balance transfer actually beats paying down what you owe — real interest, fees, and payoff date, side by side.
| Name | Balance | APR % | Min payment | 0% intro? | Remove |
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No — it depends on the new APR, fees, and term; a longer term can lower the payment while raising total interest. This tool shows the real total cost so you can see which wins. See how the trade-off works for a full worked example.
Below the break-even APR shown for your chosen term — above it, you'd pay more than just keeping your current debts.
As a single balance with your 0% intro period, then the go-to APR, plus the transfer fee — paid at the same monthly budget you'd otherwise put toward your debts.
No — everything runs in your browser; nothing is sent to a server. See the Privacy page for the full detail.
No — it's an educational estimate; real offers depend on your credit and lender terms.
Want to compare the debt snowball and avalanche strategies instead? Try the free payoff calculator.