Free Personal Loan Savings Tool

Could a personal loan lower the cost of your debt?

Enter your current balances, rates and payments. You’ll see what your debt may cost, the personal-loan APR you would need to beat, and whether consolidation could actually save you money.

Break-even APR Payment comparison Total interest estimate Optional DTI snapshot

Add your current debts

Use the payment you expect to keep making every month until each balance is paid off.

Step 1 of 2

Choose a comparison setup

These assumptions are used to create the example personal-loan scenarios.

Step 2 of 2

Possible loan term

Estimated origination fee

Personal-loan APR to compare

% APR

Start with 14% or enter an actual rate you received. This is an example—not a lender quote.

Optional affordability details

These fields are not required and do not affect the break-even APR.

What they change: If completed, these answers only add an estimated debt-to-income snapshot and an employment-documentation note to the full report.

Gross annual income

$

Monthly housing payment

$

Other monthly debt payments

$

Employment type

What appears right away

1

Your current debt snapshotTotal balances, weighted APR, monthly payments and estimated remaining interest.

2

Your break-even APRThe approximate loan rate that would match the estimated cost of your current repayment path.

3

One useful loan scenarioA sample payment, cost difference and plain-English verdict.

What comes by email

✓

Three personalized rate scenariosYour selected APR, four points below it and four points above it.

✓

Affordability detailsDTI snapshot, warnings and documentation notes when applicable.

✓

Decision checklistQuestions to ask before accepting a loan.

Educational estimates only. This tool does not predict approval, quote a lender rate, or guarantee savings.

Your quick debt comparison

The main answer appears immediately. The deeper analysis can be sent to your email.

Total debt

$0

Balances entered

Weighted APR

0%

Balance-weighted average

Current payments

$0

Combined monthly amount

Remaining interest

$0

Estimated current path

Your estimated break-even personal-loan APR

— APR

One example personal-loan scenario

This uses the APR you selected above. It is an illustration—not a lender offer or approval estimate.

Example APR—

Monthly payment—

Interest + fee—

Difference—

Your quick verdict

Now compare your benchmark with a real rate

Check My Personal Loan Rate

Some links may earn Cal a commission. Compensation does not change the calculator’s math or your break-even result.

Send me my complete debt comparison

Get your selected APR scenario, lower and higher comparisons, estimated payoff timeline, affordability snapshot, personalized warnings and personal-loan decision checklist.

✉

Your full report is available by email

Enter your email above to receive your selected APR scenario, lower and higher comparisons, the payoff analysis, personalized warnings and the full decision checklist.

All three personal-loan scenarios

Complete payment and total-cost comparisons across multiple example rates.

Example APR10.0%

Monthly payment$000

Interest + fee$0,000

DifferenceSave $0,000

What the numbers are really saying

Monthly cash-flow result

Your detailed payment comparison appears in the emailed report.

Total-cost result

Your full interest and fee analysis appears in the emailed report.

Estimated payoff timeline

Your projected payoff month and term comparison appear in the emailed report.

Debt-to-income snapshot

Your optional affordability analysis appears in the emailed report.

Personalized warnings and decision checklist

Profile warnings

Long payoff timeline, high APR, origination-fee and documentation notes.

Before accepting a loan

Questions to ask and numbers to compare before making a decision.