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What's my blended interest rate?

List what you owe and the rate on each. We'll weight every rate by its balance to find the one rate your debt blends to, add up what it costs in interest each month, and show which debts that interest actually comes from.

What you owe

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The payment is optional and never changes the blended rate. It is only used to split what you pay each month into interest and principal.

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Add at least one debt with a balance and a rate to see your blended rate.

Save or send these numbersEmail

All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.

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Why a large cheap debt hides a small expensive oneA written guide to the rules behind this calculator →
For educational purposes only. Monthly interest is estimated as balance × rate ÷ 12. Card issuers charge on the average daily balance and compound daily, and installment loans follow their own schedules, so a statement will differ slightly from these figures. Assumes the rates stay where they are.