Schuldenkonsolidierungs-Sparrechner — Formel

Debt Consolidation

Consolidation replaces multiple high-rate debts with a single lower-rate loan.

When It Makes Sense

  • Your new rate is significantly lower than your current average rate
  • You will NOT run up new debt on the freed credit cards
  • The total cost (including fees) is less than your current path

    • Formula

    Both scenarios use the standard loan payment formula:

    M = P x r x (1+r)^n / [(1+r)^n - 1]

    The difference in total interest between old and new rates is your savings.

    Lösungsbeispiel

    $25,000 at 22% average vs consolidation at 10% for 5 years.

    1. New payment = $25,000 at 10% for 60 months = $531
    2. New total interest = $531 x 60 - $25,000 = $6,874
    3. Old total interest at 22% = $707 x 60 - $25,000 = $17,418
    4. Interest savings = $17,418 - $6,874 = $10,544