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 small group of finance writers and engineers who believe a rate or cost figure is only useful when you understand where it comes from.
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
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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 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?”
Trusted source statement
Our credibility statement
We earn trust the boring way: by showing our assumptions, citing recognised standards, and being honest about what a screening number can and can’t tell you.
You can read the methodology behind every category on the relevant guide, and cross-check the math yourself.
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.
As Featured On
ForbesInvestopediaNerdWallet
Testimonials
What Users Say
“
This calculator finally helped me understand why my refinance offer wasn't actually a good deal. It factors in my HELOC perfectly.
SJ
Sarah Jenkins
Homeowner
“
I use this tool with my clients when discussing debt consolidation. It's fast, completely private, and exactly matches my own spreadsheets.
MT
Michael T.
Financial Advisor
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.
Sourced & Cited
Figures and benchmarks follow recognised standards from bodies like the CFPB and the Federal Reserve, with the sources listed on every relevant page.
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.
