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Mortgage & Home Loans · Payoff & Refinance

Mortgage Debt Consolidation Calculator

See your new payment and monthly savings from rolling high-interest debt into your mortgage.

  • Free to use here · embed on the Free plan
  • 6 inputs · 6 results
  • English & Spanish

Try the Mortgage Debt Consolidation Calculator

See your consolidated payment and savings — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Mortgage Debt Consolidation calculator works out

The Mortgage Debt Consolidation Calculator is a free, embeddable calculator from CalcFunnel. See your new payment and monthly savings from rolling high-interest debt into your mortgage.

You enter 6 inputs: current mortgage balance, current mortgage payment (P&I), other debt to consolidate, current payments on other debt, new mortgage rate (%) and new mortgage term (years).

It returns new monthly payment, current total monthly payment, monthly savings, new loan amount, total debt consolidated and total interest on new loan.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01New Monthly Payment
  2. 02Current Total Monthly Payment
  3. 03Monthly Savings
  4. 04New Loan Amount
  5. 05Total Debt Consolidated
  6. 06Total Interest on New Loan

The first figure — new monthly payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Current Debts

Current Mortgage Balance
What you still owe on your existing mortgage today.
Current Mortgage Payment (P&I)
Your current monthly principal and interest payment, excluding taxes and insurance.
Other Debt to Consolidate
The total balance of credit cards, car loans, and other high-interest debt you want to roll into the new mortgage.
Current Payments on Other Debt
The total you currently pay each month toward those other debts.

New Mortgage

New Mortgage Rate (%)
The interest rate on the new consolidated mortgage.
New Mortgage Term (years)
The repayment period for the new consolidated mortgage.

For your website

Embed this calculator on your website

Put the Mortgage Debt Consolidation Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Mortgage Debt Consolidation calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Mortgage Debt Consolidation Calculator calculate?
See your new payment and monthly savings from rolling high-interest debt into your mortgage. It returns new monthly payment, current total monthly payment, monthly savings, new loan amount, total debt consolidated and total interest on new loan.
Q.02What information do I need to use the Mortgage Debt Consolidation Calculator?
You enter 6 inputs: current mortgage balance, current mortgage payment (P&I), other debt to consolidate, current payments on other debt, new mortgage rate (%) and new mortgage term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Current Mortgage Balance” mean in the Mortgage Debt Consolidation Calculator?
What you still owe on your existing mortgage today.
Q.04What does “Current Mortgage Payment (P&I)” mean in the Mortgage Debt Consolidation Calculator?
Your current monthly principal and interest payment, excluding taxes and insurance.
Q.05Is the Mortgage Debt Consolidation Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Mortgage Debt Consolidation Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Mortgage Debt Consolidation Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Mortgage Debt Consolidation results financial advice?
No. Estimates only. Consolidating shorter-term debt into a long mortgage can lower monthly payments but increase total interest paid over time, and it secures unsecured debt against your home. Closing costs are not included. Consult a financial professional.

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Your website does the math. You get the lead.

The Mortgage Debt Consolidation Calculator is one of 188 calculators you can brand and embed with one line of code.

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