Step 1 · Model consolidation
Debt Consolidation Calculator
Model monthly cash-flow change from consolidating debt into your mortgage, then send your scenario for review.
Estimates only · Not an approval · Alberta-focused
How to use this calculator
- Enter your actual mortgage payment — not a calculated guess from balance and rate.
- Add unsecured debt balances and what you pay on them today.
- Review monthly cash-flow change and the 5 / 10 / full-amort interest snapshot.
- Toggle “remaining amortization” if you would keep years left instead of resetting to full term.
Your live estimate
Debt Consolidation Calculator
See how rolling high-interest debt into your mortgage could change monthly cash flow — and what it may cost long-term.
Your live estimate
Estimated monthly cash-flow change
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- Usable equity (80% LTV)
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- Debt consolidated (est.)
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- New mortgage balance
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- Max mortgage at 80% LTV
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- Est. interest cost change
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- New mortgage payment (est.)
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- Debt payments still outside mortgage
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- Total monthly outflow after consolidation
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- Current mortgage + debt payments
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Interest cost snapshot (est.)
- 5 years
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- 10 years
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- Full amort
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Compares consolidated vs. current path — unsecured debt uses a planning estimate.
Adjust your numbers
Drag sliders or type amounts — your estimate above updates instantly.
Your actual monthly payment — not estimated.
25 years
This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.
Review this debt scenario with a local lender
Your home value, mortgage balance, debt amount, 80% LTV room, and cash-flow estimate are attached automatically for review.
How this works
- You adjusted the calculator above
- Your inputs and estimate are attached to this form automatically
- You add your contact info and a local lender reviews the scenario
Related tools
Explore other calculators that pair with this scenario.
Mortgage professional review
Send your scenario and a mortgage professional can review your numbers with you.
Estimates, not approvals
Calculators help you plan. Final rates and qualification depend on lender approval.
Fast follow-up
Send your scenario and a mortgage professional reviews your numbers promptly.
This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.