Compare a new loan to what you already owe
Enter your debts, then model a consolidation loan with rate, term, and fees. See whether monthly cashflow improves and whether total interest drops.
Debt consolidation calculator
A lower payment can look “worth it” while costing more interest over time. DebtSelector runs the numbers on a new loan against your current stack.
Worth It score
You get a score and plain-language reasons — so a shiny offer doesn’t override math you can check yourself.
- Monthly payment vs your current minimums
- Interest tradeoffs over the loan life
- Affordability checks against your budget inputs
Not a loan application
DebtSelector is a planning tool. We don’t sell loans and we don’t pull your credit. Use the results to decide whether to talk to a lender at all.
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Ready to run your numbers?
Free to start. Unlock the full report for $2.99 — access lasts 10 days on this device.