Free tool

Debt consolidation calculator

Roll your debts into one and see the new monthly repayment and the interest you could save by consolidating at a lower rate.

Your numbers
Total debts to consolidate$45,000
Current average rate (% per year)16
New consolidated rate (% per year)8
Loan term (years)5
$1,094
current monthly repayment
$912
consolidated monthly repayment
$10,912
interest saved over the term
Rolling $45,000 from 16.0% into a 8.0% loan drops the monthly repayment by about $182 and saves roughly $10,912 in interest over 5 years. Stretching short debts over a longer term can cost more in total, so weigh it up. Brokers run consolidation numbers on client calls - CallNote writes the file note from the transcript.
General guidance, not legal or financial advice. These figures are an estimate based on the numbers you enter, to help you weigh up the time involved. CallNote receives the transcript your call system already made - it does not record or transcribe the call.
The maths only runs one way

Stop writing the note. CallNote does it on every call.

CallNote turns the transcript your phone or meeting system already made into a finished, compliance-ready file note in about two minutes. Every call you take, that is roughly ten minutes of revenue work handed back to you, so it pays for itself before you hang up.

No credit card. Unlimited notes. Built in Australia.