Consolidation Savings Analyzer

Know exactly when a consolidation loan or balance transfer pays off.

Stack the status quo against real offers, surface the true savings, and flag the traps before a member signs.

Run the analysis

Step 1

List the debts you want to consolidate.

We use balances, APRs, and minimums to model the status quo payoff path.

Debt 1

BalanceAPR (%)Minimum paymentRemaining term (months)Optional — we estimate payoff if only minimums provided.

Debt 2

BalanceAPR (%)Minimum paymentRemaining term (months)Optional — we estimate payoff if only minimums provided.

Step 2

Describe the consolidation offer.

We use these terms to simulate payments, fees, and promo cliffs.

APR (%)Term (months)Origination fee (%)Origination fee ($)Optional — overrides percent when filled.Roll fees into loan

Choose “No” if the member pays fees up front out of pocket.

Risk check

No major red flags spotted. Still confirm underwriting terms and prepayment penalties before moving forward.

Disclosures & reminders

We assume on-time payments and no new charges. Actual offers depend on underwriting and credit score trends.
Promo balance transfers can reset to double-digit APRs. Confirm statement language for residual interest and penalty triggers.
Always confirm the offer's fine print on prepayment penalties, late fees, and automatic rate hikes.
This tool is for educational planning only; offer terms and availability may change.

Step 3

Walk through the trade-offs.

Share the before-and-after snapshot plus an action plan for the savings.

Status quo

Keep current payments

Total monthly minimums: $360.00
Interest over life: $8,496.40
Payoff timeline: 5 years 11 months • Jan 2032
Blended APR: 21.23%

Consolidation

Installment payoff

New monthly payment: $345.02
Lifetime interest: $3,274.19
Payoff timeline: 4 years • Feb 2030
Total fees: $387.00

Action plan

Redirect the $14.98 freed cash flow toward the emergency fund or savings goals.
Hold the loan through at least 1 month to maximize savings.
Schedule a check-in once statements reflect the new balance to confirm payments post correctly and no extra fees slip in.

Step 4

Review the consolidation dashboard.

Summarize savings, compare outcomes, and track KPIs in one final view.

Action center · next best move

This offer is directionally favorable on cost and timeline.

The modeled plan reduces lifetime interest without extending payoff time, so the structure is viable if terms are contract-accurate.

Proceed: $5,222.21 interest saved · 23 months faster

Monthly savings

$0.00

Break-even month

Mar 2026

Total interest

$3,274.19

Savings over time

$5K$3K$2K$15

26'

28'

30'

32'

This curve should trend upward; flat or declining segments mean the offer is not compounding savings fast enough.

Payment comparison

Current

New

Current

New

Use this bar check for cash-flow fit: if the new payment is higher, confirm your monthly budget can absorb the change.

Start with a free 31-day trial. No subscriptions, just $199 for full access after trial to keep saving workspace plans, monitoring savings, and exporting charts.

Open workspace

Consolidation snapshot

Compare the cash flow tradeoff before you sign anything.

We stack the current minimums against your offer to show payment change, lifetime interest impact, and how long it takes fees to pay for themselves.

Personal loan

Monthly payment

$345.02

Drops by $14.98

Current minimums $360.00

Interest impact

Saves $5,222.21

Baseline lifetime interest $8,496.40

Offer lifetime interest $3,274.19

Timeline change

23 months faster

Current payoff Jan 2032

Offer payoff Feb 2030

Break-even

1 month

Fees recover by Mar 2026

Upfront & rolled fees $387.00