Blended Rate Calculator
See the true, weighted-average interest rate you're paying across everything you owe — mortgage, cars, credit cards, student loans. It's usually higher than people expect.
Your Blended Rate
Total Balance
$0
Blended Rate
0%
weighted average
Total Monthly Payment
$0
Your Debts
Why this number matters:
your blended rate is what you're really paying across all of your debt, not just your mortgage rate. If that number is meaningfully higher than today's mortgage rates, rolling high-interest debt into a cash-out refinance or home equity loan can lower your total monthly obligations — even if the new mortgage rate itself is higher than your current one.
Breakdown
These figures are estimates for planning purposes only, based on the balances, rates, and payments you entered. They don't constitute a loan offer or a guarantee of savings from any refinance or consolidation. Actual loan qualification, rate, and savings depend on your credit, income, equity, and the full details of your financial picture, reviewed by a licensed loan officer.