Debt Consolidation Calculator

See the single monthly payment and total cost of consolidating your debts into one loan.

Your details

Total debt to consolidate$New loan APR%Term (years)5

110

New monthly payment

$518.96

Total interest: $6,137.53
Total cost: $31,137.53

Principal vs interest

Principal: $25,000.0080%
Interest: $6,137.5320%

New monthly payment$518.96

Formula

Amortized payment M = P·r(1+r)^n / ((1+r)^n − 1).

Sources & methodology

•CFPB — debt consolidation — CFPB

Last updated: 2026-07-19

Related calculators

More Loans →

Personal Loan Calculator Credit Card Payoff Calculator

Learn more

How to Pay Off Credit Card Debt FasterHigh APRs make credit card debt brutal. The payoff strategies that actually work — and the math behind them.

Embed this calculator⌄

Paste this into your page — it works with no key and computes in the visitor's browser.

<iframe src="https://numveo.com/embed/debt-consolidation-calculator" width="100%" height="640" style="border:0" loading="lazy" title="Debt Consolidation Calculator"></iframe>