Consolidação de Dívidas — Calculadora Online Grátis
Consolidate multiple debts into one loan — compare monthly savings, total interest and break-even timeline
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Debt consolidation replaces multiple debts (credit cards, medical bills, personal loans) with a single loan at a lower interest rate. The math works when the consolidated rate is meaningfully below the weighted average rate of existing debts and when the borrower doesn't accumulate new debt on the freed-up credit cards.
Example: three credit cards at 22%, 19%, and 24% with a combined $18,000 balance have a weighted average rate of roughly 21.5%. Consolidating to a personal loan at 12% for 48 months reduces monthly payments from $530 (minimums) to $474 — and the debt is actually eliminated in 48 months rather than stretching 7+ years under minimum payments.
Total interest saved in this example: approximately $8,200 — a concrete, significant benefit. But the calculation breaks down if you keep spending on the cards: cardholders who consolidate and continue using credit cards frequently end up with both the consolidation loan and new card balances, doubling their debt.
The break-even analysis shows how many months until the interest savings exceed any upfront fees (origination fees are typically 1–6% of the loan amount). A $18,000 loan with a 3% fee costs $540 upfront — at $171/month in interest savings, you break even in 3.2 months.
Home equity loans and HELOCs often provide the lowest rates for consolidation but put your home at risk. Unsecured personal loans are safer but carry higher rates.
Veja qual seria o custo consolidado unindo todas os seus cartões de crédito em uma única taxa de juros.