Quick tools to run your own numbers. Change any field and the results update right away.
Have more than one loan? Your blended rate is the single rate you are effectively paying across all of them. It is handy when deciding between keeping a low-rate first mortgage and adding a second, or refinancing everything into one new loan.
A blended rate is only honest if every balance is in it. Add your credit cards, personal loans, student loans and auto loans, not just your mortgages.
About credit card rates: cards are usually the most expensive debt in the house. Card balances that carry interest averaged about 22% in the third quarter of 2026, and new card offers averaged about 24% in October 2026. Use the APR printed on your own statement. Even a modest card balance can pull your blended rate up quickly.
Averages: Federal Reserve G.19 release (accounts assessed interest) and LendingTree. Your rates may be higher or lower.
See your principal and interest payment, then add extra payments to see how much sooner the loan is paid off and how much interest you keep.
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Enter monthly amounts. Rename any line, remove what you do not need, and add your own. Your entries stay in this browser only and are never sent to me or anyone else.
These calculators are for education and planning only. Results are estimates based on what you enter and are not a loan offer, a rate quote, or a commitment to lend. Actual rates, payments and terms depend on your full application and may differ. Want real numbers for your situation? Contact me or call 949-278-1430.
