Kira Dulu
Debt consolidation repayment calculator
Compare current debt payments with a consolidation loan. Calculate monthly cash flow, EIR and total repayment without assuming savings.
Your repayment estimate
Planning estimate. Not an offer or approval. The bank decides after its own checks.
EIR uses the monthly rate multiplied by 12. Payments are monthly, rates stay constant and calculations keep full precision until display. Figures are rounded half-up to the sen.
Fees, stamp duty and early-settlement charges are not included.
A longer tenure can lower the monthly payment but raise the total paid.
A positive cash flow change means a lower monthly payment. It does not show total savings. Current debts cannot be compared by total cost without their rates and remaining terms.