Debt Consolidation Calculator

Compare ways to consolidate debt and estimate savings

AARP

Updated October 26, 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

Recommended for You

Explore AARP Tools & Calculators

AARP Membership — $11/year with a 5-year membership

Get instant access to members-only products and hundreds of discounts, a free second membership, and a subscription to AARP The Magazine. Expires 6/4.

Join Now

Benefits Recommended For You

See All

Debt Consolidation Calculator

Compare ways to consolidate debt and estimate savings

Recommended for You

Credit Card Payoff Calculator

Benefit of Spending Less Calculator

AARP Tools & Calculators