About Tevarindo
A consolidation engine that does the math you would do — if you had time.
US household debt is at a record $17.94 trillion. Average credit card APRs are above 20% — the highest the Federal Reserve has ever recorded. Most consolidation calculators show you one option at a time and ignore fees. Tevarindo does not.
What we believe
Math, not marketing
Every recommendation is generated from publicly auditable Federal Reserve rate data and a deterministic NPV engine. We show you the inputs and the formula — there are no proprietary lender bids tilting the answer.
No lender relationships
We do not earn referral fees and do not ship leads to lenders. That keeps our ranking honest. The cheapest option for you is the option we surface — even if that means "do not consolidate."
Apples to apples
A lower stated rate often costs more once fees and term are normalized. We calculate effective APR with IRR (Newton method) and normalize all options to a common horizon so the comparison is real.
You own your data
No financial-account credentials. No SSN. Inputs you type live in your browser session and are processed server-side only to compute your report. We do not sell anonymized data.
The math layer
Six frameworks compose every comparison. Each is implemented as a pure, typed function with no hidden API calls or ad-driven weighting.
NPV comparison
Discount every future payment to present value at your opportunity cost of capital, then compare options on a single net-present-value scale.
Effective APR (IRR)
Solve for the internal rate of return of the actual cash flows — net of origination fees, closing costs, balance transfer fees, and promo periods.
Term normalization
Compare a 36-month option to a 60-month option fairly using equal-horizon and equal-payment methods. Includes reinvestment-rate sensitivity.
Credit score model
Trajectory of estimated FICO score over 12 months from utilization drop, hard inquiry, average account age, and credit mix changes.
DTI projection
Month-by-month debt-to-income ratio with crossings of the 28%, 36%, 43%, and 50% mortgage qualification thresholds.
Payment optimizer
Efficient frontier of (monthly payment, total interest) pairs — find the cheapest option at your budget ceiling.
Where the data comes from
All rate data is public, primary-source, and updated on its native cadence. FRED rates refresh daily; balance transfer offers refresh weekly.
| Source | What we use |
|---|---|
| Federal Reserve (FRED) | Fed funds rate, prime rate, personal loan rates (G.19), credit card APRs, 10-year Treasury, S&P 500 |
| CFPB | Consumer Complaint Database — consolidation loan complaints by lender and product type |
| State statutes | 50-state usury law rate caps and consumer protection rules |
| IRS | TCJA HELOC interest deductibility, 401(k) loan limits, marginal tax rates |
| Bankrate / LendingTree | Public benchmark rate data for HELOC and origination fees |
| myFICO | Public FICO factor weights for credit score impact modeling |
See your consolidation math
Free comparison across personal loans, HELOCs, balance transfers, and 401(k) loans — NPV-ranked, with effective APR and credit-score impact.
Run a comparisonTevarindo provides mathematical comparisons only. It is not financial, tax, or legal advice. Consult a qualified financial advisor or credit counselor before consolidating debt. Rates displayed are national averages from Federal Reserve and public benchmark data — your actual rate will depend on your specific credit profile and lender.