Refinance & Debt Consolidation Analyzer
Does refinancing to consolidate your debt actually make sense?
Enter your numbers below. This runs the real math — payment comparison, payoff timeline, and what your monthly savings could be worth if invested instead of spent — so you can see it in dollars, not guesswork.
Your current situation
Used for the blended-rate comparison, and to estimate your payment below if you don't know it.
Just P&I — not your full payment with taxes/insurance. Don't know it? Leave blank.
We'll estimate your P&I from these using your rate above — a fixed-rate loan's P&I doesn't change as the balance pays down.
HOA, flood insurance, assessments, etc.
Debts you'd like to consolidate
Proposed refinance
As a %. Program cash-out limit.
Beyond paying off debts, optional.
As a % — for the "invest the savings instead" comparison.
Is this feasible?
Debt consolidation feasible
| Amount | |
|---|---|
| Maximum loan permitted | |
| Proposed new loan amount | |
| Remaining equity after refinance | |
| Proposed loan-to-value | |
| Excess capacity |
Monthly cash-flow savings
$0
comparing your current total obligations to your new housing payment
Current total / mo
New total / mo
Rate: current → new
Payoff timeline & interest saved
If you apply your monthly savings as extra principal on the new loan instead of spending it.
Scheduled payoff
full new term
Accelerated payoff
with extra principal
Time saved
Estimated interest saved: — scheduled interest of vs. accelerated interest of .
Or, invest the savings instead
The same monthly amount, invested at your assumed return rate for as long as the accelerated payoff above would have taken — instead of prepaying the mortgage.
Monthly amount
same as your savings above
→
Total contributed
→
Balance at that date
includes of growth
Month-by-month schedule (accelerated payoff scenario)
Every month of the new loan, assuming your full monthly savings goes to extra principal. Scroll for the full schedule.
| Month | Beginning bal. | Payment | Interest | Principal | Extra principal | Ending bal. | Investment bal. |
|---|
Get your personalized refinance analysis →
Talk to a loan officer about your actual numbers, rate, and eligibility.
Illustrative analysis only, not a loan offer, commitment, or guarantee of terms. Final qualification, appraised value, rate, closing costs, taxes, insurance, and program limits must be verified by a licensed loan officer. Assumes a standard fixed-rate, fully-amortizing new loan. The investment comparison uses a hypothetical, non-guaranteed rate of return you provide — actual investment results will vary and may lose value. This is not tax, legal, or investment advice.