🎨 How quickly can you resolve your large personal debt?

Finn

This calculator helps you map out a recovery plan for substantial debt by modeling the impact of a lump-sum payment followed by loan consolidation. While it started as a remix of a debt avalanche tool, it completely replaces that original logic with a focused, highly useful consolidation comparison. You'll want to note that the interest estimates are slightly conservative—the tool assumes you pay your full monthly budget even in the final month, which overstates the total interest paid by a few hundred dollars. Still, it provides a solid, actionable baseline for deciding whether refinancing your remaining balance makes sense.

Reviewed v26.10.0