Current debts
$0modelled monthly repaymentDebt consolidation estimate
See what one repayment could look like
Add the debts you may want to combine. We’ll compare what you pay now with one possible consolidation structure, using only the figures you enter.
No application No credit check Estimate only
What this estimate includes
One view of repayment, term and total cost
List each debt with its current balance, annual rate and remaining term. Then enter one possible consolidation rate, term and known fees.
The calculator models monthly repayments for both positions. It does not check eligibility, compare lenders or recommend that you consolidate.
Before you begin
Turn several debts into one modelled comparison
See the current monthly repayment beside one possible consolidation repayment, then compare estimated total cost and term.
- Add as many debts as you need
- Use current payout figures where possible
- Enter 0 when a fee does not apply
View introduction
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Your personalised report
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Your estimate is ready. Enter your email to create the report, send it and reveal the comparison here.
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Report requested
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We’re creating the emailed copy. Review the modelled result below while it is prepared.
Possible consolidation
$0modelled monthly repaymentMonthly difference
$0change per monthDebt-to-income view
0%new repayment as a share of entered incomeCurrent modelled total$0
New modelled total$0
Modelled total difference$0
Compare the whole result
How to read the estimate
Start with the monthly difference, then check the total amount repaid and the term. A longer term can create short-term breathing room while increasing the total cost.
What it cannot tell you
The result cannot tell you whether a lender will approve an application, what rate you may receive or whether consolidation suits your circumstances. Lenders use their own criteria and verify application information.
Before acting on it
Confirm payout balances, early-repayment costs, establishment and monthly fees, and what happens to paid-out accounts. Compare a final offered rate with this scenario rather than relying on an example.
Common questions
About the calculator
Does this check whether I qualify?
No. It uses the figures you enter to model a scenario. It is not an application, offer or eligibility assessment.
Why might a real repayment be different?
Daily interest, payout timing, lender calculation methods, fees, rounding and the final approved terms can all change a repayment.
Does a smaller monthly repayment mean I save money?
Not necessarily. Check the modelled total and term. A lower repayment can result from spreading the debt over longer.
This calculator provides general information and rough estimates based on your inputs. It is not financial or credit advice. WeMoney is not a lender and does not guarantee approval, a rate, savings or any particular outcome.
