One rate, across everything you owe.
Put the mortgage, the car and the cards on one list and see the single rate you are actually paying across all of them.
Start with the biggest balance you carry.
Add each debt with what is still owed and the rate on it. The balance is what decides how much each one counts.
$531,000
7.070%
6.500% – 22.990%
An estimate built from what you entered — not a quote or an approval.
See what one loan would costYour debts
| Loan name | Loan balance | Interest rate | Share of total | Adds to the blend | Edit or remove |
|---|---|---|---|---|---|
| Mortgage | $485,000 | 6.500% | 91.3% | 5.937% | |
| Car loan | $32,000 | 8.750% | 6.0% | 0.527% | |
| Credit card | $14,000 | 22.990% | 2.6% | 0.606% | |
| All of it together | $531,000 | 100.0% | 7.070% |
The three rows below are an example, so the blend has something to show. Replace them with yours.
A starting assumption, not an offer. Your rate is priced to your file.
One number is where the conversation starts.
Whether consolidating beats what you pay now depends on the loan you can actually get. A loan officer can price that for you.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.