Debt Consolidation Calculator

Estimate the interest cost of your current debts vs. consolidating through home equity access.

Your Debts

Total Debt: $0

Home Equity Access Strategy

Compare scenarios
Want to sanity-check today’s pricing? You can view typical rate ranges here: AllenEhlert.com/rates-statistics
This calculator provides estimates only and does not include lender-specific underwriting rules. Use it to start the conversation—not to make the final decision.

Results

Live update
Current cost of debt (estimated interest)
$0 / month $0 / year
After consolidation (estimated)
$0 / month $0 / month interest
$0 / year interest
Estimated Change
$0 / month $0 / year
Add your debts on the left to see your estimated interest cost and whether consolidating could reduce it.
How the math works:
  • Current cost uses an interest-only estimate: balance × rate ÷ 12 for each debt.
  • Most options use a standard amortizing loan payment estimate.
  • HELOC uses an interest-only estimate (common for revolving credit).
  • Fees are added to the consolidation amount as an estimate (for modeling only).