Payoff

Debt Consolidation Calculator

See what happens when you roll credit cards, car loans, or student debt into a refinanced mortgage — lower rates, one payment.

Current Mortgage

Balance

Rate (%)

Years Remaining

yrs

Debts to Consolidate

Name

Balance

Rate (%)

Min Payment

Name

Balance

Rate (%)

Min Payment

Name

Balance

Rate (%)

Min Payment

New Refinance Terms

New Rate (%)

New Term

Consolidation Analysis

Current Total Payment

$3,389

New Consolidated Payment

$2,591

Monthly Cash Flow

+$797

New Loan Balance

$410,000

Important: Consolidating debt into a mortgage extends the repayment timeline. You may pay less per month but more in total interest if the new term is much longer. Always compare total interest, not just monthly payments.

Cash-Out Refinance

Get a Quote

A cash-out refinance can consolidate debt while potentially lowering your rate. Get real quotes today.

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