Debt Consolidation Savings Calculator — Cash-Out Refinance

Your current mortgage

Principal & interest only — no taxes or insurance

Balance

Monthly Payment

Current Rate

6.5%

Example figures shown — replace them with yours.

Debt you want gone

Credit cards, personal loans, medical bills

Total Balance

Monthly Payments

Average Rate

24%

Payments blank? We'll estimate 3% of the balance — a typical minimum.

The new loan

Your assumptions — not an offer or a quote

Est. New Rate

Term

Closing Costs To Roll In (optional)

Your actual rate depends on credit, equity, loan amount, and market conditions.

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Your estimate

Based only on the numbers you entered

Your Estimate

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— today → — as one payment

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💡 Power Move: keep paying — — the extra — goes to principal

—Mortgage + debt gone—

—Interest avoidedvs. riding the full schedule

See the full math

Today's payments—

Est. left to pay — current path——

Est. total cost — new loan on schedule——

Estimates only — from your inputs; not a quote, offer, preapproval, or commitment to lend. P&I only (no taxes, insurance, or MI). A longer term can increase total interest paid; the Power Move figures assume penalty-free extra principal payments made every month. This converts unsecured debt into debt secured by your home.

Get My Real Numbers →

Free · No Obligation · No Hard Pull

Want Your Real Numbers?

Ian Eichelberger · Barrett Financial · NMLS #368612

The calculator guesses — Ian doesn't. Get a real rate-and-payment review based on your credit and equity. Usually a 10-minute call.

First Name

Last Name

Phone Number

Email Address

Property State

By submitting, I consent to be contacted by Ian Eichelberger, Barrett Financial Group, L.L.C. (NMLS #181106), or a licensed loan originator via call, text & email (including automated means) about mortgage products. Consent isn't a condition of purchase. Msg/data rates may apply. Reply STOP to opt out. Privacy & Terms.

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Got it — talk soon!

Ian will personally reach out within 24 hours with your real numbers.

Get a head start — begin your secure application →

Takes about 10 minutes · secure 1003 portal

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