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Loading consolidation comparison...
Enter your debts and consolidation offer to see the truth
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Verdict
💰
Total Debt
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All current balances
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Monthly Savings
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Per month difference
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Total Interest Saved
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Over full payoff
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Break-Even
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When consolidation wins
🎯 The Verdict
Fill in both sides below to get your personalized comparison.
📋 Current Debts
Your existing debts — what you're paying now
🏦 Consolidation Loan
The offer you're considering — one loan to replace them all
📊 Side-by-Side
Current path vs consolidation
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Break-Even Analysis
The month where consolidation's cumulative cost drops below keeping your current debts
📈 Cumulative Cost Over Time
Watch both paths — consolidation has upfront fees but lower monthly cost
📆 Payment Schedule Comparison
Month-by-month: what you'd pay on each path
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Fee & Cost Breakdown
Every dollar — principal, interest, and fees — across both paths
Balance Over Time
Monthly Payment Comparison
Cumulative Interest Paid
Total Cost Breakdown
Debt Consolidation Report
Vault & Vessel Studio ·
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How To Use
Find out if consolidation actually saves you money — or if it's a trap
🚀 Getting Started
1
Enter Current Debts
Add each debt you're thinking of consolidating — balance, APR (yearly interest rate), and minimum monthly payment.
2
Enter Consolidation Offer
The rate, term, and origination fee (the upfront charge — usually 1-8% of the loan amount) from the lender's offer.
3
Compare the Truth
See monthly payment, total interest, total cost, and the break-even month where consolidation actually starts saving you money.
4
Get Your Verdict
A clear recommendation — consolidate or don't — based on YOUR numbers, not a sales pitch.
📊 Terms Made Simple
Debt Consolidation: Combining multiple debts into one new loan. The goal is a lower rate, simpler payments, or both. But it doesn't erase debt — you still owe the same principal.
Origination Fee: A one-time upfront charge (usually 1-8% of the loan). A 3% fee on $20,000 = $600 added to your cost on day one. This is the hidden catch in many offers.
Break-Even Month: The month where consolidation's total cost drops below your current path. Before this month, you're actually worse off consolidating because of the upfront fee.
Extended Term Trap: A lower monthly payment can mean a longer payoff — and more total interest. A 48-month term at 12% can cost MORE than 24-month at 18% in total dollars.
Total Cost: Principal + all interest + all fees. This is the REAL number to compare — not just the monthly payment. Lower payments don't always mean less money spent.
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No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional comparison tool, not financial advice. Actual loan terms, fees, and tax implications vary. Consult a financial advisor before making consolidation decisions.