1
Add up what you owe
List your card balances and the rates you’re paying to see the full picture in one place.
Debt consolidation
Many Cards. One Payment.
Juggling a few credit card balances? Add them up below and see how rolling them into a single personal loan could cut the interest you pay and leave you with just one payment to track.
Add up my cardsTakes about a minute. No personal info required.
See how much you could save
Search for each card, enter the balance, and slide to the interest rate you’re paying. We’ll estimate what one personal loan could do. Every figure here is an estimate you control — not a loan offer.
Enter a balance for at least one card to see your estimate.
Total card balance
Blended card APR
Keep paying your cards total interest · /mo
One personal loan total interest · /mo
estimated interest saved over
Check your rate without affecting your credit score
Estimates only, based on the numbers you entered and equal monthly payments over the timeline you chose. Your actual rate, monthly payment, and savings depend on your credit and each lender’s terms.
How consolidation works
Three simple steps from many payments to one.
2
Compare one loan
A personal loan can replace several balances with a single fixed payment — often at a lower rate.
3
Check your real rate
Pre-qualify to see personalized rates with no impact to your credit score, then decide if it’s worth it.
Common questions
What is credit card consolidation?
It means combining multiple credit card balances into a single new loan or line of credit — so you make one payment instead of several, ideally at a lower interest rate.
Will checking my rate hurt my credit score?
Pre-qualifying to see estimated personal loan rates uses a soft credit check, which doesn’t affect your credit score. A hard inquiry only happens if you formally apply with a lender.
How accurate is this calculator?
It’s an estimate based on the balances and rates you enter and equal monthly payments over the timeline you pick. Your actual rate and savings depend on your credit profile and the lender you choose.
Ready to simplify your payments?
See personalized personal loan rates in minutes — no impact to your credit score.
Check your rateThis calculator is provided for educational purposes only and does not constitute financial advice or a loan offer. Results are estimates based on the information you enter and assume fixed, equal monthly payments over the selected term. Actual loan rates, terms, and approval depend on your creditworthiness and each lender’s criteria. NerdWallet may be compensated when you are matched with or apply through participating lenders. NerdWallet strives to keep its information accurate and up to date.