Enter your debts and see all three options side by side — keep paying minimums, consolidate, or pay more each month. Real numbers. Instant results.
🔒 Your data stays private⚡ Results in 60 seconds🌎 Canada & US — no signup needed
1
Your debts
2
Consolidation offer
3
Your comparison
Step 1 — Enter the debts you want to consolidate
ℹ️Use the balance and interest rate from your most recent statement. APR presets are defaults only — verify against your own statement for accuracy.
⚠️ Please enter a lender, balance, and interest rate for each debt.
Free to compare
Step 2 of 3
Your consolidation offer
Enter the details of the loan or balance transfer you are considering.
✓
Your debts
2
Consolidation offer
3
Your comparison
🏦
Consolidation loan or balance transfer
Enter the terms you were offered — or model a hypothetical scenario
%
mo
% of balance
$
Balance transfer cards typically charge 2–4%. Personal loans may have 1–5% origination fees.
⚡ Promotional period
Balance transfer cards often have a 0% intro period. If yours does, enter the promo APR and how many months it lasts — we'll model the full cost including when the regular rate kicks in.
%
mo
Your repayment approach after consolidating
$
⚠️ Please enter an interest rate and loan term.
✓
Your debts
✓
Consolidation offer
3
Your comparison
Current path — paying debts separately
$XXXX/mo
Monthly payment
XX mo
Payoff time
$XXXXX
Total interest
$XXXXX
Total cost
Consolidated loan
$XXXX/mo
Monthly payment
XX mo
Payoff time
$XXXXX
Total interest
$XXXXX
Total cost
Break-even chart
📊
Here's your three-path comparison
Enter your email to unlock all three paths — current, consolidated, and pay more — side by side with the full breakdown and break-even chart.
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💡 Path 3 — What if you paid extra each month?
+$100/mo
Move the slider to see how extra payments change your options.
Break-even analysis — when consolidation starts saving money
Month-by-month comparison (first 24 months)
Month
Current — balance
Current — interest
Consolidated — balance
Consolidated — interest
Cumulative saved
ℹ️These are estimates based on the information you entered and a simplified monthly interest model. Actual results depend on your lender's specific terms. This is not financial advice — consult a licensed advisor before making any consolidation decision.
One more thing
Now you need a plan to actually pay it off.
This calculator told you whether to consolidate. But knowing the answer is not the same as having a plan. That is what Debt Escape is for — a personal, month-by-month payoff plan that tells you exactly what to pay, in what order, every single month until your balance hits zero.
✓Exact payment targets for each debt — this month, not in theory
✓Attack order based on your specific APRs and balances
✓Live "what if" slider — see what an extra $50/month does to your finish line
✓Full month-by-month schedule — printable and shareable
✓Monthly tracker that recalculates your debt-free date after every payment
✓Works for any lender in Canada or the US — no bank login required