Mortgage Calculators

Mortgage Debt Consolidation Calculator

Rolling high-rate debts into a cash-out refinance can slash your monthly payment — but stretching them over 30 years can cost more. See both sides.

Inputs

Current mortgage balance

Current mortgage payment

Other debts to roll in

Current payments on those debts

New mortgage rate

New term (years)

Estimates only. Change any value to recalculate instantly.

Monthly payment saving $696.07 new payment $1,653.93 on $255,000

Current total payment $2,350.00

New consolidated payment $1,653.93

Monthly change $696.07

New loan amount $255,000

Payment compared

Consolidated $1.7k
Current total $2.4k

Loan balance Consolidated balance

Rolling $35,000 of debt into your mortgage frees up $696.07 a month, but it converts short-term debt into 30-year debt — you may pay more interest overall and put your home behind that debt. Weigh the cash-flow relief carefully.

Consolidated loan amortizationView table

Year	Principal	Interest	Balance
1	$2,718	$17,129	$252,282
2	$2,907	$16,940	$249,375
3	$3,109	$16,738	$246,266
4	$3,326	$16,521	$242,940
5	$3,557	$16,290	$239,383
6	$3,805	$16,042	$235,578
7	$4,070	$15,777	$231,508
8	$4,353	$15,494	$227,155
9	$4,656	$15,191	$222,498
10	$4,981	$14,866	$217,518
11	$5,327	$14,520	$212,190
12	$5,698	$14,149	$206,492
13	$6,095	$13,752	$200,396
14	$6,520	$13,328	$193,877
15	$6,974	$12,874	$186,903
16	$7,459	$12,388	$179,444
17	$7,978	$11,869	$171,466
18	$8,534	$11,313	$162,932
19	$9,128	$10,719	$153,804
20	$9,764	$10,083	$144,040
21	$10,444	$9,404	$133,596
22	$11,171	$8,676	$122,426
23	$11,949	$7,899	$110,477
24	$12,780	$7,067	$97,697
25	$13,670	$6,177	$84,026
26	$14,622	$5,225	$69,404
27	$15,640	$4,207	$53,764
28	$16,729	$3,118	$37,034
29	$17,894	$1,953	$19,140
30	$19,140	$707	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.