Ledger · Debt Management Plan
Consolidate · simplify · save
One payment. One rate.
One way out.
List the cards and personal loans you're juggling. We'll compare your current trajectory against a single consolidated plan at a rate you control.
← Settlement calculator
6%
CONSOLIDATED RATE
What changes when you consolidate02
Current trajectory
$0
paying minimums on each account
Consolidated plan
$0
one payment until debt-free
You save
$0
Lower payment
$0/mo
INTEREST SAVED
0%
New monthly payment
$0
vs. $0 today
Payoff in
0 mo
vs. 0 mo today
Interest paid
$0
vs. $0 today
Total saved
$0
interest + time
Monthly cash flowSCALE 1:1
Time to debt-free
0 mo
Today
0 mo
Consolidated
0 mo
How this is calculated. Your "current trajectory" assumes you keep paying the minimum on each account at its current APR until the balance is gone. We amortize each one independently and sum the results. The "consolidated plan" rolls every balance into a single loan at the rate you set, with a fixed monthly payment chosen to retire the debt within roughly the time it would have taken your highest-APR account. Real DMP terms vary by provider; some plans include enrollment or monthly servicing fees not modeled here.