Work out a monthly payment
Type in your own numbers, then press the button to see your estimate. The interest rate is yours to enter — nothing here is a quote or an offer.
per month, principal and interest only
This estimate covers principal and interest only. It does not include property taxes, homeowner’s insurance, HOA dues, or mortgage insurance, so your full monthly payment could be higher.
Want Deb to check these numbers against real loan programs? Talk with Deb →
Work out a debt consolidation estimate
A debt consolidation calculator shows what could happen if a cash-out refinance paid off your higher-interest debts and rolled what you owe into one new home loan. Type in what you owe and pay now, then try a new rate and term to see what one combined payment could look like — and whether it would be lower than what you pay today.
Type in your own numbers, then press the button to see your estimate. The interest rate is yours to enter — nothing here is a quote or an offer.
per month, principal and interest only — your new loan payment
New loan amount
What you pay now, combined
Monthly difference
Keep in mind:
- This estimate is principal and interest only. It does not include property taxes, homeowner’s insurance, HOA dues, mortgage insurance, or closing costs, so your full monthly payment and your upfront costs could be higher.
- A lower monthly payment does not always mean a lower total cost. Spreading debt over a longer term can mean more interest paid overall, even if the payment each month is lower.
- The new loan is secured by your home. If you cannot make the payments, you could lose your home.
- The math only works if the old debts are paid off and not run back up. New balances on the cards or loans you just paid off would add payments on top of the new loan.
Want Deb to run these numbers with real programs? Talk with Deb →