Debt Consolidation Calculator

Compare ways to consolidate debt and estimate savings

AARP

Updated May 21, 2025

Published May 05, 2017

/ Updated May 21, 2025

Should you consolidate your debt? This calculator is designed to help determine whether debt consolidation is right for you. Enter your credit cards, auto loans and other installment loan balances by clicking on the “Enter Data” button for each category. Then change the consolidated loan amount, term or rate to create a loan that will work within your budget. Click the “View Report” button for detailed results.

Change the information currently provided in the calculator to match your personal information and view your results.

*Indicates required information.

Reset Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Unlock Access to AARP Members Edition

Join AARP to Continue

Already a Member? Login

Explore Money Articles

MEMBERS ONLY

99 Great Ways to Save 2024 Edition

Make your money work harder for you — and save on entertainment, health care and groceries

MEMBERS ONLY

8 Times You Should Ask for a Deal

You can get deals and discounts on everything from mattresses to home improvements, but you have to speak up

Our price comparison supermarket shoppers from left to right: Manuela, 57, and Mario Anastacio, 56; Robert Evans and Sherri Evans, 74 and 68; and Victor Sukhai, 75

Cheapest Groceries: Aldi, Walmart or Stop & Shop?

We shopped at Walmart, Aldi and Stop & Shop to find the best prices for your groceries.

Earn Extra Cash With These 8 Unique Gigs

Companies will pay you to do everything from taking surveys to standing in line

Recommended for You

AARP Tools to Manage Your Personal Finances

Credit Card Payoff Calculator

Find out what it will take to pay off your credit card balance

Start Planning

Benefit of Spending Less Calculator

See how much your budget reductions may be worth over time

Calculate Your Savings

AARP Tools & Calculators

Better manage your finances, health, caring for a loved one and planning for retirement

Explore AARP Tools

AARP Membership

Join AARP for just $15 for your first year when you sign up for automatic renewal. Gain instant access to exclusive products, hundreds of discounts and services, a free second membership, and a subscription to AARP The Magazine.

Join Now

Benefits Recommended For You

See All