Debt Consolidation Calculator
Find out whether rolling your debts into your mortgage actually helps. Takes 90 seconds.
- 1 Your home
- 2 Your debts
- 3 New refi terms
- 4 Review the risk
- 5 Your results
Your home + current mortgage
We need your home value and current mortgage to figure out how much room you have for a cash-out refi.
Your refinance numbers
Here's what the math says. Below that, real lenders compete for your loan if you want quotes.
- Monthly cash flow change
- --
- Current total monthly
- --
- New total monthly
- --
- Blended APR (current debts)
- --
- New refi rate
- --
Want personalized rate quotes from up to 5 vetted lenders?
Lenders compete for your refi. No credit pull. No upfront fees. Your math above is yours to keep either way.
You're in.
Up to 5 lenders will reach out within 1 business day with their best refi rate for your scenario. No credit pull required for quotes. Reply STOP anytime to opt out. Your math above is yours to keep.
While you wait — read upNumbers above are estimates from standard mortgage math and 2026 program rules. Your actual rate depends on your credit, debt-to-income, property type, and lender pricing. RobotRefi is not a lender and does not originate loans.
How RobotRefi calculates this
Cash flow is the headline number
We compare your current combined outflow (mortgage payment + all debt minimums) against the single new mortgage payment. A positive number means your monthly budget gets breathing room. A negative number means you're paying more -- not a good trade for the risk involved.
Blended APR tells you the rate story
We weight each debt's APR by its balance to get one blended rate. If that blended rate is well above your new mortgage rate -- ideally 3+ percentage points -- the interest arbitrage is real. If it's thin, you're taking a big risk for a small gain.
The auto loan trap is real
Auto loans often carry rates below 7%. Rolling a 6.9% auto loan into a 6.75% mortgage saves almost nothing on that balance but extends repayment from 3-4 years to 30. You'd pay far more total interest. Consolidation math must be done debt by debt.