🔄 Debt Consolidation Calculator
Enter your current repayments and see how much you will save — instant, free, no signup
Step 1 — Your current repayments
Move the slider or type a number directly
Step 2 — The proposed consolidation terms
Typical non-bank rate: 5%–9%
✅ Here's what your saving looks like
Before consolidation
₪5,500
/month
After consolidation
₪1,830
/month
Saving
₪3,670
67% ✨
Visual comparison — monthly payment:
Monthly saving
₪3,670
Annual saving
₪44,041
* Estimate only, based on the entered data. For an exact calculation — get free advice
👋 Results look good? Let's make them happen!
Free advice, no commitment — 054-2041985
Do you own real estate?
(or a first-degree relative who is willing to help)
Financing terms are set after reviewing the file; property does not guarantee a low rate or approval
How does the debt consolidation calculator work?
The calculator sums all of your monthly repayments and compares them to a single repayment after consolidation. The calculation is based on the standard annuity formula: principal × monthly rate ÷ (1 - (1 + rate)^(-months)).
Credit cards
15%–22% → 5%–8%
Bank loans
Several → one
Bank overdraft
15% → 5%–7%
Execution files
Closing files
Frequently asked questions
Do I have to own a property?▼
In most cases yes — pledging a property enables a low rate. Solutions exist without a property too.
What about a negative BDI?▼
Even with a negative BDI, bounced checks, or an execution file — we work with non-bank entities.
How long does the process take?▼
7–14 days from submitting the documents until receiving the money.