债务合并节省计算器
计算将多笔债务合并为一笔贷款后可节省的利息和月供，比较合并前后的总还款成本，优化还债策略。
新月还款额
$531
New Monthly Payment vs Consolidation Loan Term
公式
Debt Consolidation
Consolidation replaces multiple high-rate debts with a single lower-rate loan.
When It Makes Sense
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.
计算示例
$25,000 at 22% average vs consolidation at 10% for 5 years.
- 01New payment = $25,000 at 10% for 60 months = $531
- 02New total interest = $531 x 60 - $25,000 = $6,874
- 03Old total interest at 22% = $707 x 60 - $25,000 = $17,418
- 04Interest savings = $17,418 - $6,874 = $10,544
常见问题
Is debt consolidation a good idea?
It can save thousands in interest IF you get a meaningfully lower rate and do not accumulate new debt. Be wary of extending the repayment term so long that you end up paying more total interest despite the lower rate.
Will consolidation hurt my credit score?
Initially, a hard inquiry and new account may slightly lower your score. Over time, consolidation often helps by reducing credit utilization and establishing consistent payment history.
What about balance transfer vs personal loan?
Balance transfers offer 0% intro rates but typically for 12-21 months with a 3-5% fee. Personal loans have fixed rates and terms. Choose based on how quickly you can pay off the balance.
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