Debt Consolidation
Calculator
Turn high-interest debt into one clear payment
Prospects carrying credit cards and loans want to know if consolidating helps. Embed this on your site to show the monthly savings and break-even instantly, and capture the lead.
See It In Action
Play with the calculator below. This is exactly what your visitors will see.
Debt Consolidation Calculator
Compare existing debts to a single consolidation loan: monthly savings, total interest, payoff time, and break-even
Monthly Savings
$248
Consolidation Recommendation
Consolidating looks worthwhile
Break-even: 6 months
Payment Comparison
Time to Pay Off
Payoff (Current)
48.63
Payoff (New)
60
Interest Analysis
Total Interest (Current)
$7,304
Total Interest (New)
$7,120
Interest Savings
$184
Break-Even
6.05
One Calculator, Five Personalities
Click a theme to transform this entire page. See how your calculators can match any brand identity in seconds.
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How It Works
Get your results in four simple steps
Choose Your Theme
Select from 5 professional themes or customize colors and fonts to match your brand perfectly.
Add Your CTAs
Connect buttons to your calendar, application, or contact form. Capture leads right from the calculator.
Embed Anywhere
Copy one line of code to your website. Works on WordPress, Squarespace, Wix, or any custom site.
Convert More Leads
Visitors engage with your calculator, see their numbers, and take action. Track everything in your dashboard.
Why This Calculator
Purpose-built features that give you the insights you actually need.
Monthly Savings
Current payments versus one new payment, side by side
Break-Even Analysis
Shows when closing costs are recovered through savings
Interest Comparison
Total interest on each path builds the case to consolidate
Payoff Timeline
How long each path takes to become debt free
Complete Debt Consolidation Analysis
Weighs up to five existing debts against a single new loan, with the same math your clients can trust.
Industry Standards We Follow
- Standard amortization for the new consolidation loan
- Payoff-time math for each existing debt at its current payment
- Break-even analysis (closing costs / monthly savings)
- Total interest comparison across both paths
Key Variables in Our Calculation
- Debt BalancesAmount owed on each existing debt
- Debt RatesInterest rate on each existing debt
- Debt PaymentsCurrent monthly payment on each debt
- New Loan AmountAmount borrowed to pay off the debts
- New Rate & TermInterest rate and length of the new loan
- Closing CostsUpfront cost to open the new loan
Expert Insights
Get the most out of your calculations with these professional tips
Add a Strong CTA
Connect your calculator to your calendar or application. Visitors who calculate are 3x more likely to convert when given a clear next step.
Position Above the Fold
Place the calculator where visitors see it immediately. Interactive tools keep visitors on your site longer and signal expertise.
Track Your Analytics
Monitor calculator usage in your dashboard. See which pages drive the most engagement and optimize your lead funnel.
Frequently Asked Questions
Everything you need to know about the Debt Consolidation Calculator
Simply copy the embed code from your dashboard and paste it into your website. Works with any website builder including WordPress, Squarespace, Wix, and custom sites. The calculator automatically adjusts to fit your container width.
Absolutely! With our Brand Builder, you can match your exact brand colors, fonts, and style. Choose from 5 professional themes or create a fully custom look. Your brand, your calculator.
Yes! Add custom call-to-action buttons that link to your contact form, calendar, or application. Track engagement through your dashboard analytics to see how visitors interact with your calculator.
Our calculators use industry-standard formulas based on Fannie Mae, Freddie Mac, and HUD guidelines. The same math your LOS uses. Your clients can trust the numbers.
Yes! Our Growth plan and above include multiple domain support. Perfect for loan officers with multiple landing pages or brokerages managing agent websites.
Who Uses This Calculator
Loan Officers
Reach homeowners weighed down by high-rate debt and turn interest into applications.
Mortgage Brokers
Pair a cash-out or personal loan pitch with a clear savings story.
Banks & Credit Unions
Offer members a simple way to see the value of consolidating.
Related Calculators
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