White Glove tool · savings math
Compare a fixed-rate personal-loan illustration with a credit-card payoff scenario, including monthly payment, total interest, modeled fees, and a break-even APR. The result is context—not a quote or a promise of savings.
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The short answer
A lower monthly payment is not automatically a lower total cost. This calculator makes the tradeoff visible by putting the loan total, card total, interest, fees, payoff time, and approximate break-even APR in one frame.
What fits your budget each month.
The modeled cost of carrying the balance.
The modeled rate where totals meet.
Live illustrative calculator
Start with the balance you are considering, then adjust APR, term, monthly card payment, and an illustrative upfront fee. The model updates instantly and does not collect application information.
Estimate only. The upfront fee is modeled as paid at closing and not financed. It does not account for taxes, late payments, card minimum-payment rules, lender eligibility, prepayment terms, additional fees, or changes in APR. Review the provider’s full disclosures and your budget. The break-even APR is an approximate model, not a lender quote.
Run a scenario, then verify the actual agreement at the provider.
How to use it
Use the balance you are actually considering, then adjust APR, term, card payment, and fee assumptions to match realistic alternatives. Treat the output as a comparison frame—not a forecast of approval or a recommendation.
Keep the context
Longer terms and minimum-payment structures can change the picture. If a payment does not cover modeled interest, increase it or review a different scenario.
Read the borrowing guideReady for a first look?
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Questions, answered plainly
It models a fixed-rate loan beside a credit-card balance paid at a steady monthly amount, including payment, interest, total cost, a modeled upfront fee, and an approximate break-even APR.
No. It is an illustrative model using the assumptions you select. Provider eligibility, APR, fees, approval, and funding terms can differ.
No. Compare the actual APR, fees, term, payment behavior, and total cost. A loan does not automatically save money.
It is an approximate modeled APR at which the loan total equals the modeled card total under your selected assumptions. It is not a lender quote or approval threshold.
