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Credit & Debt · Consolidate & Transfer

Personal Debt Consolidation Calculator

Compare your current debts against rolling them into a single personal consolidation loan.

  • Free to use here · embed on the Pro plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Personal Debt Consolidation Calculator

See if consolidating saves you money — 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 Personal Debt Consolidation calculator works out

The Personal Debt Consolidation Calculator is a free, embeddable calculator from CalcFunnel. Compare your current debts against rolling them into a single personal consolidation loan.

You enter 5 inputs: consolidation loan rate (%), consolidation term (years), balance, rate (%) and monthly payment.

It returns new monthly payment, current total payment, monthly savings, new loan amount and interest saved.

Built for credit counselors and consolidation lenders. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category.

Results it shows

  1. 01New Monthly Payment
  2. 02Current Total Payment
  3. 03Monthly Savings
  4. 04New Loan Amount
  5. 05Interest Saved

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.

Consolidation Loan

Consolidation Loan Rate (%)
The interest rate on the single personal loan you would consolidate into.
Consolidation Term (years)
The repayment term for the consolidation loan.

Debt 1

Balance
The amount owed on this debt.
Rate (%)
The annual interest rate on this debt.
Monthly Payment
Your current monthly payment on this debt. If it does not cover the monthly interest, the debt never pays off and interest saved shows —.

For your website

Embed this calculator on your website

Put the Personal 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

Personal Debt Consolidation calculator FAQs

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

Q.01What does the Personal Debt Consolidation Calculator calculate?
Compare your current debts against rolling them into a single personal consolidation loan. It returns new monthly payment, current total payment, monthly savings, new loan amount and interest saved.
Q.02What information do I need to use the Personal Debt Consolidation Calculator?
You enter 5 inputs: consolidation loan rate (%), consolidation term (years), balance, rate (%) and monthly payment. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Consolidation Loan Rate (%)” mean in the Personal Debt Consolidation Calculator?
The interest rate on the single personal loan you would consolidate into.
Q.04What does “Consolidation Term (years)” mean in the Personal Debt Consolidation Calculator?
The repayment term for the consolidation loan.
Q.05Is the Personal 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 needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category. Compare plans.
Q.06Can I embed the Personal 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 Personal 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 Personal Debt Consolidation results financial advice?
No. Estimates only. Assumes fixed rates and payments with no new charges. A longer consolidation term can lower the payment but raise total interest — a negative interest saved means consolidating costs more. Confirm terms with your lender.

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Your website does the math. You get the lead.

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

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  • 14-day trial on Pro & Business
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