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    Consolidation Decision Simulator

    Compare stay put, balance transfer, and personal loan paths side-by-side across multiple debts.

    Existing debts

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    Balance transfer card

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    Personal loan

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    Winner
    Balance transfer
    Lowest estimated total cost that fits the modeled payment

    Stay put

    Payment
    $300
    Time
    78 mo
    Interest
    $11,288
    Fees
    $0

    Pros: No new account or fees.
    Cons: Usually highest APR drag.

    Balance transfer

    Payment
    $687
    Time
    18 mo
    Interest
    $0
    Fees
    $360

    Pros: 0% runway can cut interest fast.
    Cons: Fee plus post-promo risk.

    Personal loan

    Payment
    $413
    Time
    36 mo
    Interest
    $2,526
    Fees
    $360

    Pros: Fixed term and payment.
    Cons: Origination fee and less flexibility.

    Cost comparison

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    Important disclaimer

    The projections, estimates, and recommendations shown by these tools are for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice.

    Calculations are based on the information you provide and make simplified assumptions (for example, fixed APRs, no additional fees, and no new charges). Your actual payoff dates, interest costs, and terms may differ based on your lender's specific policies, variable rates, fees, and how you use your accounts.

    Before acting on any payoff plan, balance transfer, or credit strategy, please consult a qualified financial professional or credit counselor. AnyCreditWelcome.com is not a lender, creditor, bank, or licensed financial advisor.

    Frequently asked questions

    Consolidation vs Balance Transfer vs Keep Paying
    Compare keeping your card debt, moving it to a 0% balance transfer, or rolling it into a consolidation loan — side by side.
    Offer Clarity Explainer
    Surface deferred interest, penalty APR, transfer fee, annual fee, and fine-print traps before you accept an offer.
    Balance Transfer Calculator
    Will moving your balance to a 0% card actually save money after fees?
    Browse all calculators →

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    All calculators and projections are for informational purposes only and do not constitute financial, legal, or tax advice. Estimates are based on the numbers you enter and may differ from your actual terms, fees, and interest calculations. Please consult a qualified financial professional before making credit or debt decisions. AnyCreditWelcome.com is not a lender, creditor, or licensed financial advisor.

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