Current debt
Existing debt
Start with your debts, then enter one proposed credit facility. The comparison updates as you edit.
01
Current debt lineup
Enter up to 10 debts. Required and planned payments stay separate.
02
Possible new credit
Enter up to three options. Each scenario uses only the selected facility.
Possible new credit
Candidate option
Fee and repayment terms
Promotional rate
03
Plan and allocation
Choose the outcome to improve, then inspect or override the suggested transfers.
Suggested allocation
| Current debt | Balance | Suggested | Custom | Active transfer | Remaining |
|---|---|---|---|---|---|
| Debt | Available after purchase | ||||
The suggested allocation reflects only your selected objective and entered terms. You can change every transfer using Custom allocation.
04
Four repayment paths
Required payment, planned payment, and Keep My Payment answer different questions.
| Measure | Current plan | New required only | Proposed plan | Keep My Payment |
|---|---|---|---|---|
| — | Available after purchase | |||
05
Current lineup → proposed lineup
Every transferred dollar leaves an existing debt and enters the selected facility. Financed fees are shown separately.
| Debt | Current balance | Transferred | Proposed balance | Opening APR | Payment method | Month 1 required | Future interest | Payoff |
|---|---|---|---|---|---|---|---|---|
| — | Available after purchase | |||||||
06
Debt balance over time
Monthly balances show what repayment behaviour changes after consolidation.
View annual balances
| Year | Current | Proposed | Keep My Payment |
|---|---|---|---|
| — | Available after purchase | ||
07
Promotions and variable-rate stress
Stress increases variable rates immediately by one or two percentage points; active promotional rates stay unchanged.
| Proposed plan | Entered rates | +1 percentage point | +2 percentage points |
|---|---|---|---|
| — | Available after purchase | ||
How this comparison works
Interest accrues monthly at APR ÷ 12. Transfers happen before Month 1. Fees are financed into the new balance and consume available credit. Percentage minimums use balance after interest. A promotional rate lasts exactly the entered number of months.
A lower required payment can create cash-flow flexibility while extending repayment. A scenario still owing money at 600 months has no projected debt-free date or completed lifetime cost. Results use user-entered terms and do not determine eligibility or recommend a lender.