Find the Best Debt Consolidation Path — NPV Proven

Stop guessing which consolidation option saves the most. Get a data-driven comparison that accounts for fees, terms, and credit impact.

What You Get

Compare personal loans, balance transfer cards, HELOCs, and 401(k) loans side-by-side with real rate data.

See the true cost of each option including origination fees, balance transfer fees, and closing costs.

Compare apples to apples — we normalize all options to the same payoff timeline using NPV analysis.

Model how each consolidation path affects your credit score over 6, 12, and 24 months.

Calculate your debt-to-income ratio improvement to unlock better rates and mortgage eligibility.

See lifetime interest paid under each scenario with breakeven analysis for upfront-fee options.

Add each debt with type, balance, APR, and minimum payment.

We model consolidation options using real lender rates for your credit profile.

Receive NPV-ranked consolidation options with total savings and monthly payment comparison.

Federal Reserve interest rate data, lender benchmark rates, state usury laws, and FICO credit impact models — updated continuously.

Free comparison in under 2 minutes.