What is a Debt Consolidation Savings Calculator?

Imagine this: All your high-interest debts — credit cards, personal loans, car loans — rolled into one single payment with a lower interest rate. That’s debt consolidation. Now, the Debt Consolidation Savings Calculator helps you run the numbers. How much could you save on interest? How much faster can you pay off your debt? How much lighter will your wallet feel each month? This tool makes it easy. Just plug in your details, hit calculate, and boom — you’ve got your savings plan in front of you.

Stop leaving money on the table. Try the calculator now and take control of your finances.

Debt Consolidation Savings Calculator

Debt Consolidation Savings Calculator

How Does Debt Consolidation Save You Money?

Here’s how it works: When you consolidate debt, you’re essentially trading high-interest chaos for low-interest clarity. It’s like refinancing your financial life. And the best part? You don’t need to guess. You can see your savings instantly with our calculator.
1
You combine multiple loans into one manageable payment.
2
You lock in a lower interest rate, which means you’re paying less over time.
3
You simplify your finances and save — sometimes thousands of dollars.

Why Use HELOC360’s Debt Consolidation Savings Calculator?

Because your time is valuable, and so is your money. At HELOC360, we’ve built this calculator to do one thing — show you how much you can save, fast. No guesswork. No complicated spreadsheets.

No fluff. No nonsense. Just results. You’ve got debts to crush — let’s help you get there faster.

  • It’s free — because saving money shouldn’t cost you a thing.
  • It’s easy to use — enter your current loan details, and you’re done.
  • It’s accurate — see exactly what you’ll save on interest and monthly payments.

How to Use the Debt Consolidation Savings Calculator

You don’t need to be a financial expert to use this tool — it’s quick, easy, and gives you results in under a minute.

  1. Enter your total debt amount – how much you owe across all of your loans that you would pay off with your HELOC
  2. Input the average interest rate of your current debts (example 21%)
  3. Add the HELOC interest rate you’re considering (example 9%)
  4. Enter the HELOC term (number of years- example 10)
  5. Hit the “Calculate Savings” button.

You will see your potential monthly savingstotal interest savings, and how quickly you can pay off your debt.

Debt Consolidation Savings Calculator

Debt Consolidation Savings Calculator

No math. No confusion. Just answers.
Ready to see how much you could save? Start now and take control of your debt!

Benefits of Debt Consolidation

Debt consolidation isn’t just a smart move — it’s the right move. And the first step? Running the numbers with our Debt Consolidation Savings Calculator.

When it comes to consolidating debt, the benefits are real and immediate. Here’s what you get when you make the move

See What You Qualify For

Lower monthly payments

Free up your cash each month and breathe easier

Reduced interest rates

Stop overpaying and start saving big on interest

Faster debt repayment

Pay off your loans years sooner and keep more money in your pocket

Simplified finances

One payment. One loan. Zero headaches

Is Debt Consolidation Right for You?

Not everyone’s financial situation is the same. So how do you know if debt consolidation is the right move for you? Let’s break it down.

Here’s the bottom line: If you’re spending too much on interest or struggling with payments, consolidation could be your ticket to financial freedom.

Debt consolidation works best if

  • You’re paying high interest rates on credit cards or personal loans
  • You’re juggling multiple payments and losing track
  • You want to lower your monthly payments and simplify your life
  • You’re ready to get out of debt faster and save big in the process

How HELOC360 Can Help You Consolidate Debt

At HELOC360, we’re not a lender — we’re your connection to the best lenders. Through our vast network of trusted HELOC and debt consolidation lenders, we match you with the perfect solution tailored to your unique financial goals.

We believe everyone deserves a smarter way to consolidate debt and save money. Let us help you find the best lender for you.
  1. Personalized matching – Compared to credit cards or personal loans, HELOCs often have much lower rates, saving you a ton in interest payments over time
  2. Competitive options – Access rates and terms you may not find on your own
  3. Stress-free process – We do the heavy lifting, so you don’t have to

Real-Life Example: See How Much You Could Save

Meet Jane. She’s juggling $20,000 in credit card debt with an average interest rate of 18%. Her monthly payments are around $600, and at this rate, it’ll take years to pay off the balance — plus, she’ll fork over almost $12,000 in interest.

Now, Jane connects with one of HELOC360’s trusted lenders and consolidates her debt into a HELOC with a 7% interest rate over 5 years. Here’s what happens:

  • Her monthly payment drops to $396.
  • She pays off her debt faster.
  • She saves over $8,500 in interest.

That’s a game-changer. And the best part? We can help you do the same.

Start by running the numbers with our Debt Consolidation Savings Calculator and see how much you can save.

woman in red and white plaid dress shirt using microsoft surface laptop

Start Saving Today with HELOC360’s Debt Consolidation Savings Calculator

Run your numbers

Use our free Debt Consolidation Savings Calculator to see how much you can save

Get matched to a lender

We connect you with a lender with solutions tailored to your situation

Take the first step

Enter a few details and we can connect you with a lender that can help you take control of your finances

Frequently Asked Questions (FAQs)

How accurate is the Debt Consolidation Savings Calculator?

Our calculator gives you a clear, reliable estimate based on the numbers you provide. It’s designed to help you see the savings potential so you can make informed decisions.

Is debt consolidation good for my credit score?

Absolutely. Consolidating debt can improve your credit score by lowering your credit utilization and helping you make consistent payments.

What is the average interest rate on a consolidation loan?

Interest rates vary, but they’re often far lower than credit card rates. With HELOC360, we focus on securing the most competitive rates tailored to you.

Does HELOC360 offer debt consolidation loans?

We don’t provide loans directly. Instead, HELOC360 connects you with a network of trusted HELOC and debt consolidation lenders. Based on your unique financial situation, we match you with the best lender to help you consolidate debt, save money, and simplify your payments. Think of us as your bridge to smarter financial solutions.

How can I get started?

It’s simple. Use the Debt Consolidation Savings Calculator to see how much you can save, then connect with our team. We’ll help you get the process started.