Blended Rate Calculator
See the weighted-average rate across your stacked debts — the real cost you are carrying before any refinance.
If you are carrying a mortgage alongside higher-rate debt — a line of credit, credit cards, a car loan — your blended rate is the number that matters. A refinance often works by rolling that expensive debt into one lower mortgage rate. Add each debt below to see where you stand today.
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Debt 2
6%
Blended rate across all debt
- Number of debts
- 2
- Total balance
- $1,300,000
- Total annual interest
- $78,000
Breakdown by debt
DebtBalanceRateAnnual interest
Mortgage$800,0003.5%$28,000
Debt 2$500,00010%$50,000
Total$1,300,0006%$78,000
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Terms, in plain language
- Blended rate
- The single average interest rate across all your debts, weighted by how much you owe on each. It shows the true cost you are carrying.
- Weighted average
- An average that gives bigger debts more influence — a large balance at a high rate moves the blended rate more than a small one.