What the tool does, how to run it, and what to expect from the result.
Compare your current debts with a single consolidation loan: the new monthly payment, the total interest and fees, and whether you actually save. The math updates instantly and runs on your device, so it is fast, private, and available offline.
A quick way to understand who this helps, what it solves, and where it connects next.
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Fast everyday math without a spreadsheet, app install, or sign-up.
Short answers for the questions people usually have before trying a utility like this.
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
When the new rate is clearly lower and the term is not much longer. $20,000 at 22% paid at $600 a month costs about $11,200 of interest; a 48-month loan at 11% with a 3% fee costs about $5,600, saving roughly $5,600.
A longer term can lower the payment while raising the total cost, and fees are often taken from the loan. It only works if the cleared cards are not run up again.
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Enter your numbers and the result updates live in your browser. Nothing is uploaded and no server is used.
Calculations run locally in your browser. Amounts are shown without a currency symbol so they work anywhere.