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Debt Consolidation Payment Scenario — result sheet
Compare three existing debt minimums with a new consolidated fixed-rate payment and total interest estimate.
Inputs used
Results
Visual chart
Breakdown
Calculation steps
Returned data table
Formula and methodology
Formula: Consolidated principal=sum of balances×(1+fee); fixed payment uses principal, monthly rate, and term; current minimums are summed for comparison.
The scenario compares payment size, total scheduled interest, and fee-adjusted principal without assuming that consolidation is automatically cheaper.
This result follows the calculator's declared inputs, precision, validation boundaries, and model limits.
Input contract
- Debt 1 balance — currency; minimum 0; maximum 1000000000000
- Debt 1 APR — %; minimum 0; maximum 1000
- Debt 1 minimum payment — currency; minimum 0; maximum 1000000000000
- Debt 2 balance — currency; minimum 0; maximum 1000000000000
- Debt 2 APR — %; minimum 0; maximum 1000
- Debt 2 minimum payment — currency; minimum 0; maximum 1000000000000
- Debt 3 balance — currency; minimum 0; maximum 1000000000000
- Debt 3 APR — %; minimum 0; maximum 1000
- Debt 3 minimum payment — currency; minimum 0; maximum 1000000000000
- New consolidation annual rate — %; minimum 0; maximum 1000
- New loan term — months; minimum 1; maximum 600
- Origination fee — %; minimum 0; maximum 100
Worked example
| Input | Value |
|---|---|
| Debt 1 balance | 3000 |
| Debt 1 APR | 24 |
| Debt 1 minimum payment | 75 |
| Debt 2 balance | 6000 |
| Debt 2 APR | 12 |
| Debt 2 minimum payment | 120 |
| Debt 3 balance | 1000 |
| Debt 3 APR | 18 |
| Debt 3 minimum payment | 30 |
| New consolidation annual rate | 10 |
| New loan term | 48 |
| Origination fee | 2 |
Fee-adjusted principal = 10,200; estimated payment ≈ 259 per month.
Assumptions and limits
- Existing minimums are entered by the visitor and are not used to infer each lender's amortization method.
- The new loan is fixed-rate with equal monthly payments.
- Fees, credit approval, collateral, taxes, and future borrowing behavior are excluded.
Calculator note
Source and methodology
Use the official WorldCalculate methodology policy for the source, formula, precision, and boundary standards behind this calculator.
Planning estimate, not financial, medical, legal, or professional advice. © WorldCalculate — reuse with attribution. Built and curated by Hassan ALRowaie.
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