Debt Consolidation 

Debt Consolidation Calculator

See what your home equity could change.

Compare your current debts with a cash-out refinance, fixed second mortgage, and HELOC.

Rates effective — Credit tier —
Step 1

Property & current mortgage

Estimated monthly escrow $0 Taxes + insurance + HOA
Estimated equity$200,000
Current LTV60.0%
Current housing payment$0
Credit tier740–759
Step 2

List debts you may want to consolidate

Open tradelines are revolving accounts. Closed-end tradelines have a fixed payment schedule.

Creditor / debt Tradeline type Balance APR Monthly payment Months left Interest remaining Pay off? Remove
Total listed balances$0
Selected for payoff$0
Current debt payments$0/mo
Weighted average APR0.00%
Interest left on selected$0
Payment assumptions: Fields shown in blue italics are calculated for you — type over any of them to use a known figure, or clear the box to return to the calculated value.
Step 3

Your personalized comparison

Monthly cash flow

Estimated monthly obligation

Includes principal & interest, remaining debt payments, taxes, insurance, and HOA.

Cumulative savings

When each option pulls ahead

Savings timeline

Cash-flow impact over time

How these estimates work

  • Monthly savings compare mortgage principal and interest plus listed debt payments. Taxes, insurance, and HOA are included in total obligations but usually do not change between options.
  • Cash-out refinance replaces the current first mortgage. Second mortgage and HELOC estimates retain the current first mortgage.
  • HELOC payments use the configured interest-only draw-period assumption. The payment shown for the repayment period assumes the full line stays drawn; future rate changes can materially change payment and savings.
  • Lifetime interest compares interest remaining on the current path with interest on the new structure over its full term. Extending repayment can lower monthly payments while increasing lifetime interest.
  • Debt-to-income is estimated from the figures entered here only and does not include obligations that were not listed.
  • Estimates are for education only and are not a loan approval or an offer to lend.