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Debt Consolidation Calculator: Simplify Your Repayments

The Kalkulator Konsolidasi Hutang shows how long it will take to repay your combined balances and how much you’ll pay in total based on your total utang, tingkat bunga rata-rata, dan pembayaran bulanan. Use it to budget confidently, compare scenarios, and visualize the path to becoming debt-free.

1) What the Debt Consolidation Calculator Does

This tool estimates the time to payoff dan total repayment when multiple debts are rolled into one plan. It applies your average APR to a single balance and models repayment with a fixed monthly payment (no new charges or fees).

2) Masukan

Memasukkan Uraian Teknis
Jumlah Hutang Total The sum of all unsecured debts you plan to consolidate.
Average Interest Rate (%) The weighted average APR across those debts (annual percentage rate).
Pembayaran Bulanan ($) The fixed amount you can commit each month toward repayment.

3) Cara Kerjanya (Rumus)

Months to payoff with a fixed monthly payment M:

n = -ln(1 - r·P / M) / ln(1 + r)

  • P = total debt (principal)
  • r = monthly rate = APR ÷ 12
  • M = monthly payment
  • n = jumlah bulan untuk melunasi

Total: Total Interest = M·n − P   |   Total Repayment = P + Total Interest

Penting: Repayment isn’t possible if M ≤ r·P (Pembayaran Anda tidak termasuk bunga bulanan). Meningkat M atas r·P to begin reducing principal.

4) Keluaran

Keluaran Apa artinya
Jumlah Pembayaran Total All payments over the plan (principal + interest).
Saatnya Membayar Months (and years) required to reach a zero balance.
Total Bunga Dibayar Total borrowing cost across the payoff period.

5) Studi Kasus Praktis

  • Perencanaan anggaran: Choose a payment that fits your cash flow and target date.
  • Rate comparison: Test how a lower APR from consolidation affects interest and timing.
  • Percepatan: See savings from increasing your monthly payment.
  • Penyederhanaan: Replace multiple due dates with one predictable payment.

6) Tanya Jawab

What is debt consolidation?
Combining multiple debts—such as credit cards and personal loans—into one new loan, typically at a lower APR, to simplify payments and reduce total interest.
Does consolidating debt affect my credit score?
You might see a small initial dip from a hard inquiry. Over time, on-time payments and lower utilization can help your score.
Should I consolidate all my debts?
It’s usually beneficial when the consolidation APR (plus any fees) is meaningfully lower than your current weighted average APR.
Can I include credit card and personal loan balances?
Yes—most consolidation loans can combine unsecured debts like credit cards, medical bills, and personal loans.

Coba Kalkulatornya


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