How it works
Simple break-even months = upfront fee ÷ approximate monthly interest-rate saving.
Input definitions
- Balance consolidated
- Enter the value in the labeled unit.
- Old annual rate (%)
- Enter the value in the labeled unit.
- New annual rate (%)
- Enter the value in the labeled unit.
- Origination fee (%)
- Enter the value in the labeled unit.
A worked example
- Balance consolidated
- 15000
- Old annual rate (%)
- 22
- New annual rate (%)
- 12
- Origination fee (%)
- 4
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Why is this only a first-pass comparison?
Balances fall as you repay, so interest savings decline. Compare full amortization schedules before switching.
How does Debt consolidation fee break-even calculate the result?
Simple break-even months = upfront fee ÷ approximate monthly interest-rate saving.
What should I verify before using Debt consolidation fee break-even?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.