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Finance & LoansGenerated accuracy model review: 2026-05-06
Debt Consolidation accuracy and testing
This page documents how Calwarden builds trust for this calculator: source notes, regression-style default tests, limitations, assumptions, unit handling, rounding, and visible change history.
Formula source
- The calculator sums your existing balances to find the total loan amount needed. It then estimates the remaining interest on your current debts (assuming fixed payments) versus the interest on the new loan. The difference is your potential savings.
Test cases
Default input regression check
Generated from the checked-in default inputs and calculate function.
Inputs
- Debt 1 Balance: $5,000
- Debt 1 Rate: 18.9%
- Debt 1 Monthly Pay: $150
- Debt 2 Balance: $3,000
- Debt 2 Rate: 22.5%
- Debt 2 Monthly Pay: $100
- Debt 3 Balance: $0
- Debt 3 Rate: 0%
- Debt 3 Monthly Pay: $0
- New Loan Rate: 10%
- New Loan Term: 3 Years
- Origination Fees: $0
Expected outputs
- Monthly Savings: -$8.14
- Total Interest Savings: $2,302.81
- New Monthly Payment: $258.14
- Current Total Payment: $250.00
Known limitations
- Assumes fixed payments for existing debts to calculate remaining interest. Real credit card minimums fluctuate.
Assumptions
- Inputs are interpreted exactly as entered in the calculator form.
- The calculation runs locally in the browser using the current checked-in calculator definition.
Unit handling
- Debt 1 Balance accepts values in $.
- Debt 1 Rate accepts values in %.
- Debt 1 Monthly Pay accepts values in $.
- Debt 2 Balance accepts values in $.
- Debt 2 Rate accepts values in %.
- Debt 2 Monthly Pay accepts values in $.
- Debt 3 Balance accepts values in $.
- Debt 3 Rate accepts values in %.
- Debt 3 Monthly Pay accepts values in $.
- New Loan Rate accepts values in %.
- New Loan Term accepts values in Years.
- Origination Fees accepts values in $.
- Monthly Savings is displayed as currency.
- Total Interest Savings is displayed as currency.
- New Monthly Payment is displayed as currency.
- Current Total Payment is displayed as currency.
Rounding rules
- Number displays use up to 2 decimal places in the calculator UI.
- Currency outputs are displayed with standard US dollar formatting.
Version history
1.0.0 - 2026-05-06
Generated accuracy and testing page from the current debt-consolidation-calculator calculator definition.
Change log
2026-05-06
Published default regression test documentation and metadata fallbacks for Debt Consolidation.
Calculator transparency
Accuracy pages are generated from checked-in calculator definitions and can be upgraded with curated review metadata over time.