Options Profit
Calculator
Call and put profit or loss at expiration.
Open the options profit calculator →
Money — Debt
Blended Rate Calculator
Add each balance and its interest rate to get your balance-weighted average — the single blended rate across all of them.
| Balance ($) | Rate (%) | Weighted |
|---|
Blended rate
—
Balance-weighted average rate.
| Total balance | — |
|---|---|
| Weighted interest / year | — |
| Accounts counted | — |
Show our math
Enter your figures above to see the step-by-step working.
A balance-weighted average — bigger balances count for moreEverything computed client-side — nothing leaves this page
How the Blended Rate Calculator Works
When you carry several balances at different interest rates, your blended rate is the single rate that would produce the same total yearly interest. It is a balance-weighted average, not a plain average — a large balance at one rate pulls the blended rate toward it. The calculator multiplies each balance by its rate, adds those up, and divides by the total balance.
Add a row for each loan, card or account with its balance and rate. This is useful for comparing a consolidation-loan offer against the blended rate you pay across your current debts.
blended rate = Σ(balance × rate) ÷ Σ balance
Frequently Asked Questions
What is a blended interest rate?
It is the weighted-average rate across several balances — the single rate that would generate the same total interest. Balances with more money weigh more heavily than smaller ones.
Why not just average the rates?
A simple average ignores how much sits at each rate. A large balance at a low rate and a tiny balance at a high rate should blend close to the low rate; only weighting by balance captures that.
How do I use this to decide on consolidation?
Work out your current blended rate across all debts, then compare it with the rate on a consolidation loan. If the new single rate is lower than your blended rate, consolidating could reduce your interest.
More From The Desk
Same plain method, different figuresOptions Profit
Markup
Calculator
Selling price, profit and margin from cost.
Open the markup calculator →Cap Rate
Calculator
Capitalization rate for a rental property.
Open the cap rate calculator →Break-Even
Calculator
Units and revenue to cover all costs.
Open the break-even calculator →Reverse Sales
Tax
The price before tax from a total.
Open the reverse sales tax calculator →