Debt Consolidation

Blended Interest Rate Calculator

Find the true average rate you pay across your mortgage, HELOC, cards, and loans, and compare it with one consolidation rate.

First Mortgage

First Mortgage Balance

First Mortgage APR

HELOC or Second Mortgage

HELOC / Second Balance

HELOC APR

Credit Cards

Credit Card Balance

Credit Card APR

Auto Loan

Auto Loan Balance

Auto Loan APR

Other Debt

Other Debt Balance

Other Debt APR

Consolidation Option

Compare With This Rate

A cash-out refinance or HELOC rate you have been quoted

Results

Your Blended Rate

7.15%

Balance-weighted across every debt

Total Owed

$480,000

Monthly Interest Today

$2,860

Monthly Interest at Comparison Rate

$2,700

Monthly Difference

$160

Your highest-rate debt is credit card at 24%. Consolidating everything at 6.75% would cut about $160 of interest a month; whether it pays depends on closing costs and the new term.

Highest-Rate DebtCredit card (24%)

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FAQ

Blended Rate Calculator Questions

Straight answers from a California mortgage broker.

The average rate across all your debts, weighted by how much you owe on each. A $400,000 mortgage at 6.5% and a $10,000 card at 24% blend to about 6.9%, not 15%, because the mortgage balance dominates.

Only when the new rate is below your blended rate and the closing costs are recovered within a few years. Stretching a car loan or card balance over 30 years can cost more in total interest even at a lower rate; we run both numbers before recommending it.

Keep your first mortgage and add a HELOC when your current rate is below today's rates. Choose a cash-out refinance when today's rate is lower than your first mortgage or you want one fixed payment.

Want the Real Numbers?

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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: September 2026