Debt Consolidation Calculator
See how much monthly cash flow you could free up by rolling high-interest debt into your mortgage.
Type exact values (cents included) or drag a slider to get close. To fine-tune, click the slider and press Left arrow keyRight arrow key on your keyboard: each press moves mortgage amounts by $100 and interest rates by 0.01%.
Type an exact value from $5,000 to $200,000. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of $100.
Type an exact value from 5.00% to 30.00%. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of 0.01%.
Type an exact value from $100 to $5,000. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of $25.
Type an exact value from 2.00% to 8.00%. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of 0.01%.
Consolidation reduces monthly payments but spreads debt over a longer period — a strategy call for how to redirect savings makes this work in your favour.
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Get Exact Numbers — Free CallHow the Debt Consolidation Calculator Works
Credit cards and unsecured lines of credit often carry rates of 15–30%, while mortgage rates sit in the low single digits. Consolidating that debt into your mortgage — amortized over up to 25 years — can dramatically cut your combined monthly payment.
This calculator compares what you’re paying today against a consolidated payment at your mortgage rate, so you can see the potential monthly and annual savings.
4 Steps to Your Results
Combine credit cards, lines of credit, and personal loans into one balance to consolidate.
Your average debt rate and current combined monthly payment set the "before" side of the comparison.
The consolidated amount is amortized over 25 years at this rate — the same math used for any refinance.
Your new consolidated payment, monthly cash-flow savings, and the annual savings that frees up.
With $45,000 in debt at an average 19.99% rate, currently costing $1,350/month, rolling it into a mortgage at 4.49% over 25 years drops the payment to about $249/month.
That’s roughly $1,101/month in freed-up cash flow — about $13,214 per year — that could go toward savings, investments, or paying down the mortgage faster.
Remember: stretching the repayment to 25 years lowers the monthly cost but can mean more total interest over time unless the savings are redirected deliberately.
Frequently Asked Questions
Credit cards, unsecured lines of credit, personal and car loans, and tax arrears are all common candidates — anything carrying a balance and a rate can typically be rolled in.
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