Debt consolidation calculator Singapore
Estimate your consolidated monthly repayment, total interest, and repayment period across your existing debts – before you apply.
Use this calculator to estimate what a single consolidated monthly repayment might look like across your existing debts. Enter your outstanding balances, current monthly payments, and interest rates to compare repayment scenarios before you apply.
This is an estimate only – actual DCP offers depend on your credit profile, document review, and the terms set by the bank or financial institution. Use the result to understand trade-offs between monthly repayment amount, tenure, and total interest paid.
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Your debt consolidation loan info
Select what matters most to you – you can always change your goal anytime to see how the results differ.
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Adjust your preferred consolidation loan terms
Here’s your estimated plan based on your goal – adjust the terms to see what works best.
Current debts
Monthly repayment
Tenure
Interest rate
Loan amount
New consolidation loan¹
Monthly repayment
Tenure
Loan amount
Monthly repayment
Tenure
¹All results from this calculator are for guidance only and do not constitute financial advice. Actual loan terms, rates, and approval outcomes may vary. Please consult with financial institutions directly for accurate and personalised information.
²Rates are capped at 30% for banks and 48% for licensed moneylenders.
Should I consolidate?
Consolidate
Current debts
Monthly repayment
Tenure
Annual interest rate
Loan amount
Total interest amount
Total repayment³
³Inclusive of interest
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Ready to apply?
Find out what debt consolidation plans you are eligible for. Simply apply to match with offers from over 70 banks and financial institutions, without obligations.
Check eligibilityWhat to do with your estimate
Once you have an estimate, you have three useful next steps.
Compare scenarios. Run the calculator again with a shorter or longer repayment period. A longer tenure lowers your monthly repayment but increases total interest paid. A shorter tenure does the opposite. Find the repayment period that your monthly income can comfortably sustain.
Check whether you may meet the common DCP eligibility benchmark. The most widely referenced threshold is total interest-bearing unsecured debt exceeding 12 times your monthly income. If your consolidated debt is above that figure, you may be eligible – subject to assessment. See the full eligibility criteria and how it works on the debt consolidation plan guide.
Match with personalised offers. The calculator gives you an estimate based on your inputs. A Lendela application gives you actual personalised offers from banks and financial institutions – including real EIR, fees, repayment period, and total amount payable – so you can compare real terms before committing.
How to use the calculator
Test different repayment scenarios before you match with personalised offers.
This calculator uses the balances, payments, and rates you enter to estimate a single monthly repayment, total interest amount, and total repayment. It is designed to help you compare different repayment scenarios quickly.
This calculator does not confirm eligibility, approval, final fees, settlement shortfall handling, or institution-specific policy. Actual DCP offers may differ after document review, credit assessment, and the final terms set by the bank or financial institution.
Use the estimate to compare trade-offs. A lower monthly repayment may improve cashflow, but a longer tenure can increase total cost. A shorter tenure may reduce total interest, but only if the instalment is still sustainable for your budget.
