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Debt Consolidate Calculator

Debt List:

Input one debt a line in the format of: debt-name,amount,interest-rate,minimum-month-payment. For example: mortgage loan, 250000, 4.5, 1200

Monthly Pay:

Input the total monthly payment for your debts.

Consolidate to Loan

Interest Rate:

Loan Term:

years

Cost:

Calculated Results
Debt consolidation save 15,440.69.
Orig Total Interest	66,962.20
New Total Interest	51,521.52
Orig Total Payment	301,962.20
New Total Payment	291,221.52
Orig Monthly Payment	2,250.00
New Monthly Payment	2,426.85
Orig Payoff in	135 months
New Payoff in	121 months

Credit Card Personal Loan Debt Payoff

Debts Payment Schedule

	Year	Original Interest	Original Principal	Original Balance	Consolid Interest	Consolid Principal	Consolid Balance
	1	11,081.48	15,918.52	219,081.48	9,225.86	15,918.52	219,803.71
Month	1	957.50	1,292.50	233,707.50	799.00	1,627.85	238,072.15
Month	2	951.44	1,298.56	232,408.94	793.57	1,633.27	236,438.88
Month	3	945.34	1,304.66	231,104.27	788.13	1,638.72	234,800.17
Month	4	939.20	1,310.80	229,793.47	782.67	1,644.18	233,155.99
Month	5	933.02	1,316.98	228,476.49	777.19	1,649.66	231,506.33
Month	6	926.81	1,323.19	227,153.30	771.69	1,655.16	229,851.17
Month	7	920.56	1,329.44	225,823.86	766.17	1,660.68	228,190.49
Month	8	914.26	1,335.74	224,488.12	760.63	1,666.21	226,524.28
Month	9	907.93	1,342.07	223,146.05	755.08	1,671.77	224,852.52
Month	10	901.56	1,348.44	221,797.62	749.51	1,677.34	223,175.18
Month	11	895.15	1,354.85	220,442.77	743.92	1,682.93	221,492.25
Month	12	888.70	1,361.30	219,081.48	738.31	1,688.54	219,803.71
	2	10,146.15	16,853.85	202,227.62	8,415.26	16,853.85	199,096.82
Month	13	882.21	1,367.79	217,713.69	732.68	1,694.17	218,109.55
Month	14	875.68	1,374.32	216,339.37	727.03	1,699.81	216,409.73
Month	15	869.11	1,380.89	214,958.48	721.37	1,705.48	214,704.25
Month	16	862.49	1,387.51	213,570.97	715.68	1,711.17	212,993.09
Month	17	855.84	1,394.16	212,176.81	709.98	1,716.87	211,276.22
Month	18	849.14	1,400.86	210,775.94	704.25	1,722.59	209,553.63
Month	19	842.39	1,407.61	209,368.33	698.51	1,728.33	207,825.29
Month	20	835.61	1,414.39	207,953.94	692.75	1,734.09	206,091.20
Month	21	828.78	1,421.22	206,532.72	686.97	1,739.88	204,351.32
Month	22	821.90	1,428.10	205,104.62	681.17	1,745.67	202,605.65
Month	23	814.98	1,435.02	203,669.60	675.35	1,751.49	200,854.15
Month	24	808.02	1,441.98	202,227.62	669.51	1,757.33	199,096.82
	3	9,137.25	17,862.75	184,364.87	7,571.63	17,862.75	177,546.30
Month	25	801.01	1,448.99	200,778.63	663.66	1,763.19	197,333.63
Month	26	793.95	1,456.05	199,322.59	657.78	1,769.07	195,564.56
Month	27	786.85	1,463.15	197,859.44	651.88	1,774.96	193,789.60
Month	28	779.70	1,470.30	196,389.14	645.97	1,780.88	192,008.72
Month	29	772.51	1,477.49	194,911.65	640.03	1,786.82	190,221.90
Month	30	765.26	1,484.74	193,426.91	634.07	1,792.77	188,429.13
Month	31	757.97	1,492.03	191,934.88	628.10	1,798.75	186,630.38
Month	32	750.63	1,499.37	190,435.51	622.10	1,804.74	184,825.64
Month	33	743.24	1,506.76	188,928.75	616.09	1,810.76	183,014.88
Month	34	735.91	1,514.09	187,414.67	610.05	1,816.80	181,198.08
Month	35	728.72	1,521.28	185,893.39	603.99	1,822.85	179,375.23
Month	36	721.48	1,528.52	184,364.87	597.92	1,828.93	177,546.30
	4	8,078.51	18,921.49	165,443.38	6,693.63	18,921.49	155,117.77
Month	37	714.20	1,535.80	182,829.07	591.82	1,835.02	175,711.27
Month	38	706.88	1,543.12	181,285.95	585.70	1,841.14	173,870.13
Month	39	699.51	1,550.49	179,735.46	579.57	1,847.28	172,022.85
Month	40	692.10	1,557.90	178,177.56	573.41	1,853.44	170,169.42
Month	41	684.65	1,565.35	176,612.21	567.23	1,859.61	168,309.80
Month	42	677.15	1,572.85	175,039.35	561.03	1,865.81	166,443.99
Month	43	669.60	1,580.40	173,458.95	554.81	1,872.03	164,571.96
Month	44	662.01	1,587.99	171,870.96	548.57	1,878.27	162,693.68
Month	45	654.37	1,595.63	170,275.34	542.31	1,884.53	160,809.15
Month	46	646.69	1,603.31	168,672.03	536.03	1,890.82	158,918.33
Month	47	638.98	1,611.02	167,061.01	529.73	1,897.12	157,021.22
Month	48	632.37	1,617.63	165,443.38	523.40	1,903.44	155,117.77
	5	7,064.35	19,935.65	145,507.73	5,779.85	19,935.65	131,775.48
Month	49	625.73	1,624.27	163,819.11	517.06	1,909.79	153,207.99
Month	50	619.06	1,630.94	162,188.17	510.69	1,916.15	151,291.83
Month	51	612.37	1,637.63	160,550.54	504.31	1,922.54	149,369.29
Month	52	605.65	1,644.35	158,906.19	497.90	1,928.95	147,440.35
Month	53	598.90	1,651.10	157,255.09	491.47	1,935.38	145,504.97
Month	54	592.12	1,657.88	155,597.21	485.02	1,941.83	143,563.14
Month	55	585.31	1,664.69	153,932.52	478.54	1,948.30	141,614.84
Month	56	578.48	1,671.52	152,261.00	472.05	1,954.80	139,660.04
Month	57	571.62	1,678.38	150,582.61	465.53	1,961.31	137,698.73
Month	58	564.73	1,685.27	148,897.34	459.00	1,967.85	135,730.88
Month	59	558.37	1,691.63	147,205.70	452.44	1,974.41	133,756.47
Month	60	552.02	1,697.98	145,507.73	445.85	1,980.99	131,775.48
	6	6,120.70	20,879.30	124,628.43	4,828.85	20,879.30	107,482.18
Month	61	545.65	1,704.35	143,803.38	439.25	1,987.59	129,787.88
Month	62	539.26	1,710.74	142,092.64	432.63	1,994.22	127,793.66
Month	63	532.85	1,717.15	140,375.49	425.98	2,000.87	125,792.79
Month	64	526.41	1,723.59	138,651.90	419.31	2,007.54	123,785.26
Month	65	519.94	1,730.06	136,921.84	412.62	2,014.23	121,771.03
Month	66	513.46	1,736.54	135,185.30	405.90	2,020.94	119,750.09
Month	67	506.94	1,743.06	133,442.24	399.17	2,027.68	117,722.41
Month	68	500.41	1,749.59	131,692.65	392.41	2,034.44	115,687.97
Month	69	493.85	1,756.15	129,936.50	385.63	2,041.22	113,646.75
Month	70	487.26	1,762.74	128,173.76	378.82	2,048.02	111,598.73
Month	71	480.65	1,769.35	126,404.41	372.00	2,054.85	109,543.88
Month	72	474.02	1,775.98	124,628.43	365.15	2,061.70	107,482.18
	7	5,161.51	21,838.49	102,789.94	3,839.11	21,838.49	82,199.13
Month	73	467.36	1,782.64	122,845.79	358.27	2,068.57	105,413.61
Month	74	460.67	1,789.33	121,056.46	351.38	2,075.47	103,338.14
Month	75	453.96	1,796.04	119,260.42	344.46	2,082.39	101,255.75
Month	76	447.23	1,802.77	117,457.65	337.52	2,089.33	99,166.43
Month	77	440.47	1,809.53	115,648.11	330.55	2,096.29	97,070.13
Month	78	433.68	1,816.32	113,831.79	323.57	2,103.28	94,966.86
Month	79	426.87	1,823.13	112,008.66	316.56	2,110.29	92,856.57
Month	80	420.03	1,829.97	110,178.70	309.52	2,117.32	90,739.24
Month	81	413.17	1,836.83	108,341.87	302.46	2,124.38	88,614.86
Month	82	406.28	1,843.72	106,498.15	295.38	2,131.46	86,483.40
Month	83	399.37	1,850.63	104,647.52	288.28	2,138.57	84,344.83
Month	84	392.43	1,857.57	102,789.94	281.15	2,145.70	82,199.13
	8	4,158.26	22,841.74	79,948.20	2,809.04	22,841.74	55,886.02
Month	85	385.46	1,864.54	100,925.41	274.00	2,152.85	80,046.28
Month	86	378.47	1,871.53	99,053.88	266.82	2,160.03	77,886.26
Month	87	371.45	1,878.55	97,175.33	259.62	2,167.23	75,719.03
Month	88	364.41	1,885.59	95,289.74	252.40	2,174.45	73,544.58
Month	89	357.34	1,892.66	93,397.07	245.15	2,181.70	71,362.89
Month	90	350.24	1,899.76	91,497.31	237.88	2,188.97	69,173.92
Month	91	343.11	1,906.89	89,590.43	230.58	2,196.27	66,977.65
Month	92	335.96	1,914.04	87,676.39	223.26	2,203.59	64,774.06
Month	93	328.79	1,921.21	85,755.18	215.91	2,210.93	62,563.13
Month	94	321.58	1,928.42	83,826.76	208.54	2,218.30	60,344.83
Month	95	314.35	1,935.65	81,891.11	201.15	2,225.70	58,119.13
Month	96	307.09	1,942.91	79,948.20	193.73	2,233.12	55,886.02
	9	3,108.91	23,891.09	56,057.11	1,737.00	23,891.09	28,500.87
Month	97	299.81	1,950.19	77,998.01	186.29	2,240.56	53,645.46
Month	98	292.49	1,957.51	76,040.50	178.82	2,248.03	51,397.43
Month	99	285.15	1,964.85	74,075.65	171.32	2,255.52	49,141.91
Month	100	277.78	1,972.22	72,103.43	163.81	2,263.04	46,878.87
Month	101	270.39	1,979.61	70,123.82	156.26	2,270.58	44,608.29
Month	102	262.96	1,987.04	68,136.79	148.69	2,278.15	42,330.14
Month	103	255.51	1,994.49	66,142.30	141.10	2,285.75	40,044.39
Month	104	248.03	2,001.97	64,140.33	133.48	2,293.36	37,751.02
Month	105	240.53	2,009.47	62,130.86	125.84	2,301.01	35,450.02
Month	106	232.99	2,017.01	60,113.85	118.17	2,308.68	33,141.34
Month	107	225.43	2,024.57	58,089.28	110.47	2,316.37	30,824.96
Month	108	217.83	2,032.17	56,057.11	102.75	2,324.10	28,500.87
	10	2,011.36	24,988.64	31,068.47	621.29	24,988.64	0.00
Month	109	210.21	2,039.79	54,017.33	95.00	2,331.84	26,169.02
Month	110	202.56	2,047.44	51,969.89	87.23	2,339.62	23,829.41
Month	111	194.89	2,055.11	49,914.78	79.43	2,347.41	21,481.99
Month	112	187.18	2,062.82	47,851.96	71.61	2,355.24	19,126.75
Month	113	179.44	2,070.56	45,781.40	63.76	2,363.09	16,763.66
Month	114	171.68	2,078.32	43,703.08	55.88	2,370.97	14,392.70
Month	115	163.89	2,086.11	41,616.97	47.98	2,378.87	12,013.83
Month	116	156.06	2,093.94	39,523.03	40.05	2,386.80	9,627.03
Month	117	148.21	2,101.79	37,421.25	32.09	2,394.76	7,232.27
Month	118	140.33	2,109.67	35,311.57	24.11	2,402.74	4,829.53
Month	119	132.42	2,117.58	33,193.99	16.10	2,410.75	2,418.78
Month	120	124.48	2,125.52	31,068.47	8.06	2,418.78	0.00
	11	863.39	26,136.61	4,931.86	0.00	26,136.61	0.00
Month	121	116.51	2,133.49	28,934.98	0.00	0.00	0.00
Month	122	108.51	2,141.49	26,793.48	0.00	0.00	0.00
Month	123	100.48	2,149.52	24,643.96	0.00	0.00	0.00
Month	124	92.41	2,157.59	22,486.37	0.00	0.00	0.00
Month	125	84.32	2,165.68	20,320.70	0.00	0.00	0.00
Month	126	76.20	2,173.80	18,146.90	0.00	0.00	0.00
Month	127	68.05	2,181.95	15,964.95	0.00	0.00	0.00
Month	128	59.87	2,190.13	13,774.82	0.00	0.00	0.00
Month	129	51.66	2,198.34	11,576.48	0.00	0.00	0.00
Month	130	43.41	2,206.59	9,369.89	0.00	0.00	0.00
Month	131	35.14	2,214.86	7,155.02	0.00	0.00	0.00
Month	132	26.83	2,223.17	4,931.86	0.00	0.00	0.00
	12	30.35	4,931.86	0.00	0.00	4,931.86	0.00
Month	133	18.49	2,231.51	2,700.35	0.00	0.00	0.00
Month	134	10.13	2,239.87	460.48	0.00	0.00	0.00
Month	135	1.73	460.48	0.00	0.00	0.00	0.00

Consolidate your debts

If you have multiple debts, you can consider to consolidate them into one loan if such an opportunity exists. Consolidate debts into one single will make your life a little bit easy to manage the payment and if the interest rate is low, you will also save money. However, the consolidation loan might have a fee as a cost, so before taking an offer of a consolidation loan, you should use our calculator to find out if you will save money or not. The calculator here will calculate the total saving on interest payment on the consolidated loan to the maturity date. You can use the detail table of payment schedule to figure out if you can save if you will terminate your loan(through refinance or sell your property) before maturity date.

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