Blended Rate Calculator exists because people deserve accurate, transparent calculations they can trust — not vague rules of thumb. Know what your debt actually costs. Find your true weighted interest rate across multiple loans in seconds.
About this site: Blended Rate Calculator is an independent educational resource. Its calculators are for general information and do not replace advice from a qualified financial professional.
Our team
Who We Are
A specialized group of financial writers, quantitative analysts, and software engineers who believe a rate or cost figure is only useful when you understand the exact mathematical principles behind it.
AM
Alex Morgan
Senior Financial Writer & Editor
Alex Morgan is a senior financial writer with over a decade of experience covering mortgages, debt consolidation, and consumer lending. Before joining Blended Rate Calculator, Alex wrote for leading personal finance publications and worked alongside licensed mortgage professionals to ensure calculation accuracy.
MBA in Finance
10+ years covering mortgages, debt consolidation, and consumer lending
Content reviewed against CFPB and Federal Reserve guidance
ET
Engineering Team
Product & Accessibility
Builds the calculation engine and keeps the site fast, accessible, and privacy-first across every device.
Web Performance
WCAG AA
Our Office & Studio
Team Photos in Workspace
A look inside our development studio and financial research workspace where we build, test, and audit each debt calculator.
Our engineering and financial research team working in the main collaborative workspace.
Our story
How We Started
Blended Rate Calculator began as a frustration: most online calculators hand you a number with no explanation, no sources, and a page buried in ads. We wanted the opposite.
What started as one clean tool grew into a small library of calculators and guides — each one built to show its working and respect your privacy.
Our mission
What We Do
We turn established formulas into fast, accurate tools you can use in seconds — then wrap them in plain-English explanations of what the result actually means.
The guides exist for the follow-up question every calculator should answer: “okay, so what do I do with this number?”
Trust & Verification
Trusted Source Statement
We earn trust through transparency, empirical accuracy, and rigorous compliance with regulatory accounting and lending standards.
500,000+
Calculations Processed
15+ Years
Combined Experience
100% Free
Zero Data Sold
Every algorithm is cross-audited against statutory guidelines established by the Consumer Financial Protection Bureau (CFPB Regulation Z) and the Internal Revenue Service (IRC § 7872).
Documented formulas
Each calculator explains the exact equation it uses and how edge values are handled.
Recognised standards
Rate benchmarks and categories map to published regulatory and lender guidance, not to figures we invented.
Clear scope boundaries
We calculate, we don't advise. Every result points you to a qualified financial professional for decisions.
Social proof
What Our Users & Planners Say
Read verified feedback from homeowners, borrowers, and financial professionals who rely on our tools.
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★★★★★
“When dealing with multiple mortgages and a HELOC, standard bank calculators fail. Blended Rate Calculator provided the exact weighted mathematical figure I needed to advise my clients accurately.”
MR
Marcus Reynolds, CFP®
Senior Wealth Advisor
“
★★★★★
“I was about to consolidate my 3.2% first mortgage into a 6.8% refinance. Running the blended rate calculation saved me over $410 per month by showing me keeping my primary was far cheaper.”
SL
Sarah Lin
Verified Homeowner & Borrower
“
★★★★★
“Pure math, zero fluff, and no aggressive lender leads being sold. Easily the most transparent and trusted rate calculator on the web.”
DK
David K.
Debt Management Specialist
Industry references & partners
Featured Websites & Partner Resources
Our mathematical modeling and educational benchmarks reference recognized regulatory bodies and leading financial publications:
Parent Company Description: Blended Rate Calculator is a specialized digital finance publication owned and operated by its parent company, Blended Rate Media LLC. As our legal entity and parent organization, Blended Rate Media LLC manages our infrastructure, algorithmic auditing, and editorial compliance with consumer finance publishing standards.
Physical Mailing Address
For corporate verifications, official notices, and legal correspondence, please write to our physical headquarters:
Blended Rate Media LLC Corporate Headquarters & Legal Department 100 King Street West, Suite 5600 Toronto, ON M5X 1C9 Canada Telephone:+1 (437) 377-3733 Official Email:contact@blendedratecalculator.net
Core principles
What makes this different
Exact Math, Not Guesses
Every result comes straight from the published formula — no rounding shortcuts, no averages standing in for the real calculation.
Standards-Based
Formulas follow the published standards used by bodies like the CFPB and the Federal Reserve, and rate figures cite their source and tax year where we quote them.
No Account Required
The calculator runs entirely in your browser. Nothing you enter is sent to a server, stored, or used to identify you.
Server-Rendered for Speed
Content and FAQs ship as crawlable static HTML. The interactive calculator hydrates on top without replacing the page.
Plain About Limits
We say where a number falls short — variable rates, introductory periods, and edge cases — instead of pretending one figure fits every situation.
Open & Auditable
The formula, the categories, the assumptions — all visible. Check the numbers against your own and verify every step.
