Debt consolidation loan calculator
If you have multiple debts, payments outstanding on different dates and need to get control of your finances, a debt consolidation loan from Plenti may be a good option for you. Add in your debts below and your current repayment amount to calculate what your estimated monthly debt consolidation loan repayments and savings could be.
Prior to using this calculator, please see "Debt Consolidation Loan Calculator" in the Important Information section below to understand how this calculator works.
What is a debt consolidation loan?
Debt consolidation is the process of combining multiple debts - such as credit cards, personal loans, and store cards - into a single loan with one repayment date and amount. This can simplify your financial management by eliminating the hassle of juggling multiple different payments.
How a debt consolidation loan could help you
Lower interest rates
Save money with potentially lower interest rates compared to high-interest debts, such as credit cards.
Simplified payments
Make managing your finances easier by consolidating debts into a single loan.
Improve Credit Score
Consistently making on-time payments on your consolidated loan can positively impact your credit score.
How the debt consolidation process works
Assess Your Debt
List all debts, including outstanding amounts, repayment amounts, interest rates, and repayment frequencies. Combine these figures to understand your current financial obligations.
Apply Now
Submit your application today. If approved, you could receive your funds in as little as 24 hours to pay off existing debts.
Streamline Your Repayments
With just one loan and one monthly repayment, you can simplify your financial commitments and say goodbye to juggling multiple payments.
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti's interest rate is based on a borrower with an exceptional credit history using rates and fees applicable as at 17 December 2025. Plenti’s comparison rate is based on a $30,000 unsecured personal loan, repaid over a loan term of 5 years. More information on this comparison tool
Your questions answered
Our calculator estimates your potential savings by consolidating multiple debts into one loan. To use the calculator:
- Enter in your existing debts with their associated interest rates and monthly repayments
- Once you have entered in your debts and checked the total amount is correct, adjust your credit history and desired loan term to view your potential savings
Looking for another type of calculator?
Our car loan repayment calculator helps you understand your potential estimated monthly repayments for a new or used car.
Calculate what your repayments could be with a Plenti personal loan.
