Debt Consolidation Calculator
Compare your current debt repayments against a single consolidation loan — honest, NCA-accurate verdict included.
Your current debts
Balance
Rate
Monthly pmt
Balance
Rate
Monthly pmt
Balance
Rate
Monthly pmt
Total debt
R 53,000
Total monthly
R 1,600
Total interest
R 24,942
Consolidation loan terms
Prime 11.75% · Default is prime + 4%
Your actual rate depends on your credit profile. Check with your bank before applying.
Consolidated monthly payment
R 1,268
vs R 1,600 across 3 separate debts
Consolidation is recommended
Consolidating saves you R 332/month and R 1,872 in total interest.
Side-by-side comparison
| Current | Consolidated | |
|---|---|---|
| Monthly payment | R 1,600 | R 1,268 |
| Total interest | R 24,942 | R 23,070 |
| Time to debt-free | 56 months | 60 months |
Savings summary
Know your rights — NCA
South African consumers have the right to apply for debt review under the National Credit Act. Contact an NCR-registered debt counsellor if you are over-indebted.
Ready to consolidate?
Get a consolidation quote →Speak to an NCR debt counsellor →Calcura is independent. We earn a referral fee only if you successfully apply. Your data is never sold.
About this calculator
What this calculator does
Compares your current debt repayment position against a single consolidation loan. It calculates how long it will take to pay off each debt at your current payment rate, the total interest you will pay across all debts, and whether a consolidation loan at your entered rate would save you money in monthly payments and total interest.
How to interpret your results
A green verdict means consolidation saves you both monthly and in total interest. An amber verdict means your monthly payment drops but you pay more total interest — this is common when consolidating over a longer term. A red verdict means consolidation makes your position worse and you should consider other options including debt review.
Assumptions applied
- Each debt is paid off at a fixed monthly payment with no changes.
- The consolidation loan interest rate is fixed for the full term.
- All debts are consolidated into a single loan — partial consolidation is not modelled.
- No early settlement penalties are included.
What this calculator doesn't account for
- Does not account for credit life insurance, which is often required on consolidation loans.
- Your actual consolidation rate depends on your credit profile and will be determined by your lender.
- Does not model debt review, which is a separate legal process under the NCA with different implications.
- Early settlement penalties on existing debts are not included.
Further reading
Debt Consolidation South Africa 2026: Is It Worth It? →