1:"$Sreact.fragment"
2:I[10156,[],""]
3:I[6746,[],""]
4:I[32046,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"PreloadChunks"]
5:I[56699,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
6:I[76837,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
7:I[32043,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
8:I[67821,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],""]
1b:I[14600,[],"default",1]
:HL["/_next/static/media/849c382dee069680-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/media/e4af272ccee01ff0-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/css/60d9b09af57ce3c6.css","style"]
:HL["/_next/static/css/9c59f2e83b7f05d1.css","style"]
0:{"P":null,"c":["","calculators","finance","blended-rate.rsc"],"q":"","i":false,"f":[[["",{"children":["(frontend)",{"children":["calculators",{"children":[["category","finance","d",null],{"children":[["slug","blended-rate","d",null],{"children":["__PAGE__",{}]}]}]}]},"$undefined","$undefined",16]}],[["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":404}],["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]]}]}]],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]]}],{"children":[["$","$1","c",{"children":[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/css/60d9b09af57ce3c6.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}],["$","link","1",{"rel":"stylesheet","href":"/_next/static/css/9c59f2e83b7f05d1.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}]],["$","html",null,{"lang":"en","data-scroll-behavior":"smooth","children":[[["$","$L4",null,{"moduleIds":["app/(frontend)/layout.tsx -> #/ui/crisp"]}],["$","$L5",null,{}]],["$","body",null,{"className":"bg-white antialiased dark:bg-mist-950 __variable_f367f3 __variable_008b00","suppressHydrationWarning":true,"children":[["$","div",null,{"className":"flex min-h-screen flex-col justify-between","children":[["$","$L6",null,{}],["$","$L7",null,{"children":["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","main",null,{"className":"isolate overflow-clip","children":["$","section",null,{"className":"py-16","children":["$","div",null,{"className":"mx-auto w-full max-w-2xl px-6 md:max-w-3xl lg:max-w-7xl lg:px-10 flex flex-col items-center gap-6","children":[["$","h1",null,{"className":"font-display text-5xl/12 tracking-tight text-balance sm:text-[5rem]/20 text-mist-950 dark:text-white max-w-5xl text-center","children":"Page not found"}],["$","div",null,{"className":"text-lg/8 text-mist-700 dark:text-mist-400 max-w-xl text-center","children":["$","p",null,{"children":"Sorry, the page you were looking for could not be found."}]}],["$","$L8",null,{"href":"/","className":"inline-flex items-center gap-2 text-sm/7 font-medium text-mist-950 dark:text-white","children":["Go back home ",["$","svg",null,{"width":13,"height":7,"viewBox":"0 0 13 7","fill":"none","strokeWidth":1,"role":"image","className":"inline-block","children":[["$","path",null,{"d":"M12.5049 3.49512L0.504883 3.49512","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round"}],["$","path",null,{"d":"M9.5 6.5L12.5 3.5L9.5 0.5","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round"}]]}]]}]]}]}]}],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]}],["$","footer",null,{"children":["$","div",null,{"className":"bg-mist-950/2.5 py-16 text-mist-950 dark:bg-white/5 dark:text-white","children":["$","div",null,{"className":"mx-auto w-full max-w-2xl px-6 md:max-w-3xl lg:max-w-7xl lg:px-10 flex flex-col gap-12","children":[["$","div",null,{"className":"flex flex-col items-start justify-between gap-6 sm:flex-row","children":[["$","div",null,{"className":"flex flex-col items-start gap-2","children":[["$","$L8",null,{"href":"/","children":["$","svg",null,{"className":"h-5 w-auto","xmlns":"http://www.w3.org/2000/svg","width":742,"height":68,"viewBox":"0 0 742 68","fill":"none","children":[["$","path",null,{"fill":"#161616","d":"M129.5 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-11.8v-4.8c-1.4 3-6.3 5.5-11.5 5.5-12.9 0-23.4-10.4-23.4-23.4Zm35 0c0-6.7-4.8-11.9-11.5-11.9s-11.7 5.2-11.7 11.9 5 11.9 11.7 11.9c6.7 0 11.5-5.2 11.5-11.9ZM181.2 41.4c0-13 10.4-23.4 23.4-23.4 13 0 19.8 7.2 22.5 16.9h-12.5c-2-3.3-5.5-5.4-9.9-5.4-6.7 0-11.7 5.2-11.7 11.9s5 11.9 11.7 11.9c6.7 0 7.4-2 9.5-5H227c-2.9 9.6-11.8 16.5-22.4 16.5-10.6 0-23.4-10.4-23.4-23.4ZM248.3 30.3v12.4c0 7.3 2.4 10.2 8.2 10.2v11.5c-11.6 0-19.9-6.4-19.9-21.7V30.3h-6.7V18.8h6.6V1.1h11.8v17.7h8.3v11.5H248.3ZM274 18.7h-11.8V64H274V18.7ZM277.8 18.7h12.3l10.3 29.8 10.4-29.8h12.3L306.2 64h-11.8l-16.8-45.3h.2ZM345.8 18c11.2 0 23.2 8 23.7 22.4 0 2.1 0 4.1-.4 5.6h-33.6c1.1 4.5 5.1 7.3 10.3 7.3 5.2 0 6.3-1.5 7.8-2.6h14c-3.6 8.3-11.9 14.1-21.5 14.1s-23.4-10.4-23.4-23.3 10-23.5 23-23.5h.1Zm11 18.6c-1.8-4.3-6.2-7.1-10.7-7.1-4.5 0-8.9 2.8-10.7 7.1h21.4Z"}],"$L9","$La","$Lb","$Lc","$Ld","$Le"]}]}],"$Lf"]}],"$L10"]}],"$L11","$L12"]}]}]}]]}],"$L13"]}],"$L14"]}]]}],{"children":["$L15",{"children":["$L16",{"children":["$L17",{"children":["$L18",{},null,false,null]},null,false,"$@19"]},null,false,"$@19"]},null,false,"$@19"]},null,false,null]},null,false,"$@19"],"$L1a",false]],"m":"$undefined","G":["$1b",[]],"S":true,"h":null,"b":"p3loIE2XIKLH3Rl5qUfaA"}
1d:I[14245,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"Button"]
23:I[19592,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","6344","static/chunks/6344-f0148458c0499269.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","2018","static/chunks/app/(frontend)/%5B...slug%5D/page-dcf70230194846a1.js"],""]
24:I[79066,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","6344","static/chunks/6344-f0148458c0499269.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","2018","static/chunks/app/(frontend)/%5B...slug%5D/page-dcf70230194846a1.js"],"GoogleTagManager"]
26:I[85305,[],"OutletBoundary"]
27:"$Sreact.suspense"
2a:I[85305,[],"ViewportBoundary"]
2c:I[85305,[],"MetadataBoundary"]
1c:T5a9,M373.9 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 16.9 5.3 20.6 12.8h-6.3c-3.2-4.4-8.2-7.3-14.2-7.3-10 0-17.7 7.9-17.7 17.9 0 10 7.9 17.9 17.7 17.9 9.8 0 11.1-3 14.2-7.3h6.4c-3.7 7.6-11.6 12.9-20.8 12.9-9.2 0-23.4-10.4-23.4-23.4l.1-.1ZM422.7 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-5.8v-9.7c-3 6-9.8 10.4-17.5 10.4-12.9 0-23.4-10.4-23.4-23.4Zm41 0c0-10-7.5-17.9-17.5-17.9s-17.7 7.9-17.7 17.9c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9ZM475.7 64.1V.7h5.8v63.4h-5.8ZM486.5 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 16.9 5.3 20.6 12.8h-6.3c-3.2-4.4-8.2-7.3-14.2-7.3-10 0-17.7 7.9-17.7 17.9 0 10 7.9 17.9 17.7 17.9 9.8 0 11.1-3 14.2-7.3h6.4c-3.7 7.6-11.6 12.9-20.8 12.9-9.2 0-23.4-10.4-23.4-23.4l.1-.1ZM575.6 18.7v23.8c0 15.2-8.3 22.2-19.9 22.2-11.6 0-19.9-7-19.9-22.2V18.7h5.8v23.8c0 11.3 5.7 16.7 14.1 16.7 8.4 0 14.1-5.3 14.1-16.7V18.7h5.8ZM581.9 64.1V.7h5.8v63.4h-5.8ZM592.7 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-5.8v-9.7c-3 6-9.8 10.4-17.5 10.4-12.9 0-23.4-10.4-23.4-23.4Zm41 0c0-10-7.5-17.9-17.5-17.9s-17.7 7.9-17.7 17.9c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9ZM652.5 24.3v18.2c0 10.1 4.4 15.1 11.4 16.2v5.6c-10.2-1-17.2-7.8-17.2-21.7V24.2h-6.8v-5.5h6.8V4.4h5.8v14.3h11.4v5.5h-11.4v.1ZM712 41.4c0 13-10.4 23.4-23.4 23.4-13 0-23.4-10.4-23.4-23.4 0-13 10.5-23.4 23.4-23.4 12.9 0 23.4 10.4 23.4 23.4Zm-41 0c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9 0-10-7.5-17.9-17.5-17.9S671 31.4 671 41.4Z9:["$","path",null,{"fill":"#262626","d":"$1c"}]
a:["$","path",null,{"fill":"#09C269","d":"M274 1.1h-11.8v11.8H274V1.1Z"}]
b:["$","path",null,{"fill":"#161616","d":"M248.2 1.1v17.6L236.4 1.1h11.8Z"}]
c:["$","path",null,{"fill":"#09C269","d":"M65.2 47.1c-4.1-5.4-2.8-11.8-4.4-18-1.1-4.2-3.1-8.2-5.8-11.6-.7-.9-1.5-1.8-2.3-2.6-5.6-5.6-13.3-9-21.8-9C13.1 5.9-1.1 21 .2 39c1.3 18 13 26.9 27.9 28.2 9.6.8 18.4-2.8 24.6-9l-.4-.4c-3-3.8-5.1-8-6.3-12.6-3.3 5.7-9.7 9.4-16.8 8.7-8.1-.8-14.7-7.3-15.6-15.3-.9-8 7-19.4 17.3-19.4S43 22.7 46 27.9c2.6 4.6 2 9.6 3 14.6.9 4.8 2.9 9.3 6 13.2 5.6 7.1 14.3 11.6 24 11.6h30.8V55.2H82.1c-6.3 0-12.4-2.7-16.4-7.5-.2-.2-.4-.5-.6-.7l.1.1Z"}]
d:["$","path",null,{"fill":"#09C269","d":"M64 27.9c3-5.2 8.6-8.8 15.1-8.8 9.6 0 17.4 7.8 17.4 17.4h13.4c0-17-13.8-30.8-30.8-30.8s-16.2 3.5-21.8 9.1l.4.5c3 3.8 5.1 8 6.3 12.6Z"}]
e:["$","path",null,{"fill":"#262626","d":"M717.3 40.6c0-15.5 7.9-22.6 19.1-22.6h1.4v5.7h-1.4c-7.8 0-13.1 5.4-13.1 16.9v24.2h-6V40.6Z"}]
f:["$","p",null,{"className":"text-sm text-mist-600 dark:text-mist-400","children":"Interactive calculators that convert visitors into leads."}]
10:["$","$L1d",null,{"el":"a","href":"https://app.activecalculator.com/auth/signup","appearance":"default","label":"Get started free","data-umami-event":"click-cta-footer","data-umami-event-location":"footer"}]
11:["$","nav",null,{"className":"grid grid-cols-2 gap-6 text-sm/7 md:grid-cols-4","children":[["$","div","Use Cases",{"children":[["$","h3",null,{"children":"Use Cases"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","E-Commerce & Retail",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/e-commerce","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"E-Commerce & Retail"}]}],["$","li","Finance",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/finance","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Finance"}]}],["$","li","Unit Conversion",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/unit-conversion","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Unit Conversion"}]}],["$","li","Price Quote",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/price-quote","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Price Quote"}]}]]}],[["$","div","Industries",{"className":"mt-6","children":[["$","h3",null,{"children":"Industries"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Screen Printing",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/screen-printing","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Screen Printing"}]}],["$","li","Mortgage Brokers",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/mortgage-brokers","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Mortgage Brokers"}]}],["$","li","Solar Energy",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/solar-energy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Solar Energy"}]}]]}]]}]]]}],["$","div","Templates",{"children":[["$","h3",null,{"children":"Templates"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Ad Spend ROI Calculator",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/ad-spend-roi-calculator","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Ad Spend ROI Calculator"}]}],["$","li","Amortization Payment Calculator Canada",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/amortization-payment-calculator-canada","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Amortization Payment Calculator Canada"}]}],["$","li","Amortization Calculator",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/amortization-calculator","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Amortization Calculator"}]}],["$","li","Balloon Loan Calculator Lead Gen",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/balloon-loan-calculator-lead-gen","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Balloon Loan Calculator Lead Gen"}]}]]}],"$undefined"]}],["$","div","Product",{"children":[["$","h3",null,{"children":"Product"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Templates",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Templates"}]}],["$","li","Calculators",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/calculators","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Calculators"}]}],["$","li","Pricing",{"className":"text-mist-700 dark:text-mist-400","children":"$L1e"}],"$L1f","$L20","$L21"]}],"$undefined"]}],"$L22"]}]
12:["$","div",null,{"className":"flex flex-col items-start justify-between gap-4 border-t border-mist-950/10 pt-8 text-sm/7 sm:flex-row sm:items-center dark:border-white/10","children":[["$","div",null,{"className":"flex flex-wrap items-center gap-x-4 gap-y-1 text-mist-600 dark:text-mist-500","children":[["$","span",null,{"children":["© ",2026," ActiveCalculator."]}],[["$","$L8","Privacy Policy",{"href":"/privacy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Privacy Policy"}],["$","$L8","Terms of Service",{"href":"/terms","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Terms of Service"}]]]}],["$","div",null,{"className":"flex items-center gap-4","children":[["$","a","X",{"href":"https://twitter.com/activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"X","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"x","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"d":"M13.6833 10.6218L20.2401 3H18.6864L12.9931 9.61788L8.44583 3H3.20117L10.0775 13.0074L3.20117 21H4.75501L10.7673 14.0113L15.5695 21H20.8141L13.6833 10.6218ZM11.5551 13.0956L10.8584 12.0991L5.31488 4.16971H7.7015L12.1752 10.5689L12.8719 11.5655L18.6871 19.8835H16.3005L11.5551 13.0956Z"}]}]}],["$","a","LinkedIn",{"href":"https://linkedin.com/company/activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"LinkedIn","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"linkedin","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"d":"M20.447 20.452h-3.554v-5.569c0-1.328-.027-3.037-1.852-3.037-1.853 0-2.136 1.445-2.136 2.939v5.667H9.351V9h3.414v1.561h.046c.477-.9 1.637-1.85 3.37-1.85 3.601 0 4.267 2.37 4.267 5.455v6.286zM5.337 7.433a2.062 2.062 0 01-2.063-2.065 2.064 2.064 0 112.063 2.065zm1.782 13.019H3.555V9h3.564v11.452zM22.225 0H1.771C.792 0 0 .774 0 1.729v20.542C0 23.227.792 24 1.771 24h20.451C23.2 24 24 23.227 24 22.271V1.729C24 .774 23.2 0 22.222 0h.003z"}]}]}],["$","a","YouTube",{"href":"https://youtube.com/@activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"YouTube","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"youtube","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"fillRule":"evenodd","d":"M19.812 5.418c.861.23 1.538.907 1.768 1.768C21.998 8.746 22 12 22 12s0 3.255-.418 4.814a2.504 2.504 0 0 1-1.768 1.768c-1.56.419-7.814.419-7.814.419s-6.255 0-7.814-.419a2.505 2.505 0 0 1-1.768-1.768C2 15.255 2 12 2 12s0-3.255.417-4.814a2.507 2.507 0 0 1 1.768-1.768C5.744 5 11.998 5 11.998 5s6.255 0 7.814.418ZM15.194 12 10 15V9l5.194 3Z","clipRule":"evenodd"}]}]}]]}]]}]
13:["$","$L23",null,{"defer":true,"src":"https://analytics.selvo.co/script.js","data-website-id":"20975f57-f91a-4d7f-a72e-bc1f75a733ed","strategy":"afterInteractive"}]
14:["$","$L24",null,{"gtmId":"GTM-N55KJQ5L"}]
15:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
16:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
17:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
18:["$","$1","c",{"children":["$L25",null,["$","$L26",null,{"children":["$","$27",null,{"name":"Next.MetadataOutlet","children":"$@28"}]}]]}]
29:[]
19:"$W29"
1a:["$","$1","h",{"children":[null,["$","$L2a",null,{"children":"$L2b"}],["$","div",null,{"hidden":true,"children":["$","$L2c",null,{"children":["$","$27",null,{"name":"Next.Metadata","children":"$L2d"}]}]}],["$","meta",null,{"name":"next-size-adjust","content":""}]]}]
1e:["$","$L8",null,{"href":"/pricing","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Pricing"}]
1f:["$","li","Help",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/help","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Help"}]}]
20:["$","li","API",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://docs.activecalculator.com/api-reference","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"API"}]}]
21:["$","li","Embed SDK JS",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://docs.activecalculator.com/sdks/embed-sdk/overview","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Embed SDK JS"}]}]
22:["$","div","Resources",{"children":[["$","h3",null,{"children":"Resources"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Terms",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/terms","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Terms"}]}],["$","li","Privacy",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/privacy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Privacy"}]}],["$","li","Book a Call",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/demo","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Book a Call"}]}],["$","li","Contact",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/contact","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Contact"}]}],["$","li","Selvo",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://selvo.co","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Selvo"}]}]]}],"$undefined"]}]
2b:[["$","meta","0",{"charSet":"utf-8"}],["$","meta","1",{"name":"viewport","content":"width=device-width, initial-scale=1"}],["$","meta","2",{"name":"theme-color","content":"#fff"}]]
2e:T1163,{"@type":"FAQPage","mainEntity":[{"name":"What is a blended interest rate?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"A blended rate is the weighted average interest rate across multiple loans or debts. It gives you a single percentage that represents your combined borrowing cost, with each loan's contribution weighted by its balance. A $100,000 loan has more impact on your blended rate than a $5,000 loan at the same rate."}},{"name":"How is a blended rate different from a simple average?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"A simple average treats all loans equally regardless of size. A blended rate weighs each loan by its balance, which gives you a more accurate picture of your actual interest burden. For example, if you have a large loan at 5% and a tiny loan at 20%, your simple average is 12.5% — but your blended rate would be much closer to 5% because the large loan dominates."}},{"name":"Is a lower blended rate always better?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Generally yes — a lower blended rate means you're paying less interest on your total debt. But when comparing a refinanced single loan to your current blended rate, make sure to also consider loan fees, the new repayment term, and whether you're giving up any benefits (like federal student loan protections such as income-driven repayment or forgiveness options)."}},{"name":"Can I use this calculator for student loans?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Yes. Enter each student loan's current balance and interest rate. The result shows your effective weighted average rate across all of them — useful when comparing your current loans against a private refinance offer. If considering refinancing federal loans, remember you'd lose federal protections in the process."}},{"name":"Can I use this for business loans?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Absolutely. Businesses with multiple credit lines, term loans, or equipment financing at different rates can use this to calculate their overall cost of borrowing. This is helpful for financial reporting, refinancing decisions, or presenting your debt picture to investors or a CFO."}},{"name":"What if my loans have different repayment terms?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The blended rate calculation doesn't account for loan terms — it only factors in balance and interest rate. If your loans have significantly different timelines (for example, one is a 30-year mortgage and one is a 5-year car loan), the blended rate is still useful for comparing interest costs, but you'll want a more detailed amortization analysis to fully understand your total repayment picture."}},{"name":"How does blended rate apply to mortgages?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"When homebuyers use a first and second mortgage (or a piggyback loan), lenders and financial advisors often reference the blended rate to describe the combined interest cost. It's also useful when you have a primary mortgage and a home equity loan or HELOC and want to understand your total mortgage interest burden in a single number."}},{"name":"What's the difference between blended rate and APR?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"APR (Annual Percentage Rate) includes fees and other costs on top of the interest rate for a single loan. Blended rate combines multiple loans by their interest rates and balances, without factoring in fees. They answer different questions: APR tells you the true cost of one loan; blended rate tells you the weighted average rate across many."}},{"name":"If I pay off one loan, will my blended rate change?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Yes. Paying off a loan removes it from the calculation. If you pay off a high-rate loan, your blended rate drops. If you pay off a low-rate loan first (like many people do with mortgages), your blended rate can actually increase because the higher-rate debts now carry more relative weight."}},{"name":"How many loans can I calculate at once?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"This calculator supports up to 10 separate balance and rate pairs, which covers most real-world debt scenarios including multiple mortgages, student loans, car loans, credit cards, and business lines of credit."}}]}25:[["$","script",null,{"dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"name\":\"Home\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com\",\"position\":1},{\"name\":\"Calculators\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators\",\"position\":2},{\"name\":\"Finance\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators/finance\",\"position\":3},{\"name\":\"Blended Rate Calculator\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators/finance/blended-rate\",\"position\":4}]}"},"type":"application/ld+json"}],["$","script",null,{"dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"Article\",\"name\":\"Blended Rate Calculator\",\"dateModified\":\"2026-02-24T12:29:05.859Z\",\"description\":\"Calculate the blended interest rate across multiple loans, mortgages, or debts. Enter each balance and rate to find your weighted average borrowing cost.\",\"author\":{\"name\":\"ActiveCalculator\",\"@type\":\"Organization\"},\"datePublished\":\"2026-02-24T12:27:38.542Z\",\"headline\":\"Blended Rate Calculator\",\"image\":\"https://activecalculator.com/api/og/calculator?title=Blended%20Rate%20Calculator\",\"mainEntityOfPage\":{\"@id\":\"https://activecalculator.com/calculators/finance/blended-rate\",\"@type\":\"WebPage\"},\"publisher\":{\"name\":\"ActiveCalculator\",\"@type\":\"Organization\",\"logo\":{\"@type\":\"ImageObject\",\"height\":112,\"url\":\"https://activecalculator.com/logo.png\",\"width\":112}},\"keywords\":\"Blended Rate Calculator, tool, Finance, Finance calculator\",\"url\":\"https://activecalculator.com/calculators/finance/blended-rate\"}"},"type":"application/ld+json"}],["$","script",null,{"dangerouslySetInnerHTML":{"__html":"$2e"},"type":"application/ld+json"}],"$L2f"]
30:I[65569,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"JumplistProvider"]
31:I[52456,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"RichText"]
32:I[52924,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"ShareButtons"]
33:I[56472,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"RenderBlocks"]
2f:["$","div",null,{"className":"min-h-screen bg-white","children":["$","$L30",null,{"children":["$","div",null,{"className":"py-10 lg:py-12 container","children":[["$","div",null,{"className":"mb-6","children":["$","div",null,{"className":"flex items-center flex-wrap gap-1 text-mist-600","children":[["$","$L8",null,{"className":"typo-small font-medium hover:text-blue-600 transition-colors duration-200","href":"/calculators","children":"Calculators"}],["$","svg",null,{"className":"text-mist-600","fill":"none","height":"16","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":"2","viewBox":"0 0 24 24","width":"16","xmlns":"http://www.w3.org/2000/svg","children":["$","polyline",null,{"points":"9 18 15 12 9 6"}]}],["$","$L8",null,{"className":"typo-small font-medium hover:text-blue-600 transition-colors duration-200","href":"/calculators/finance","children":"Finance"}]]}]}],["$","div",null,{"className":"mb-8","children":[["$","h1",null,{"className":"typo-title mb-4 text-mist-950","children":"Blended Rate Calculator"}],["$","div",null,{"className":"text-mist-600 typo-normal max-w-2xl mb-4","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Calculate the weighted average interest rate across multiple loans or debts. Enter each balance and rate to instantly find your effective blended borrowing cost.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}],["$","div",null,{"className":"flex mt-4","children":["$","$L32",null,{"variant":"full","title":"Blended Rate Calculator"}]}]]}],false,["$","div",null,{"className":"grid grid-cols-1 lg:grid-cols-6 gap-8","children":[["$","div",null,{"className":"lg:col-span-4","children":[["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8 mb-6","children":["$","$L33",null,{"blocks":[{"blockType":"blogContent","blogContentFields":{"settings":{"background":"default","paddingTop":"medium","paddingBottom":"medium"},"richText":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"If you have more than one loan — whether that's two mortgages, a mix of student loans, or a handful of debts at different interest rates — this blended rate calculator shows you what you're actually paying across all of them combined. Enter each balance and its interest rate, and you'll get your true weighted average borrowing cost in seconds.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Whether you're trying to decide if refinancing makes sense, comparing your current debts to a consolidation offer, or just want a clearer picture of your overall interest burden, knowing your blended rate gives you a number you can actually work with.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"What Is a Blended Rate?","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A blended rate (sometimes called a weighted average interest rate) is a single interest rate that represents the combined cost of multiple loans or debts, taking into account how large each one is.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Here's why a simple average doesn't work: if you have a $200,000 mortgage at 6.5% and a $10,000 personal loan at 12%, the average of those two rates is 9.25% — but that number is misleading. Your $200,000 mortgage dominates your total debt picture far more than the personal loan does. Your blended rate accounts for that, weighting each loan by its balance to give you a more accurate single figure.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The result tells you the effective rate you're paying across your entire debt portfolio. It's the number that matters most when you're deciding whether to refinance, consolidate, or just track how your borrowing costs are changing over time.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The Blended Rate Formula","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The calculation is a weighted average:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Blended Rate = (Sum of each Balance × its Rate) ÷ Total Balance","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"In formula terms:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Blended Rate = Σ(Balance × Rate) ÷ Σ(Balance)","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"quote","version":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Worked example:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Loan A: $100,000 at 6.0%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Loan B: $50,000 at 8.0%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":2}],"direction":null,"format":"","indent":0,"type":"list","version":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Step 1: Weighted sum = ($100,000 × 0.06) + ($50,000 × 0.08) = $6,000 + $4,000 = $10,000   Step 2: Total balance = $150,000 Step 3: Blended rate = $10,000 ÷ $150,000 = ","type":"text","version":1},{"detail":0,"format":1,"mode":"normal","style":"","text":"6.67%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Notice that the blended rate (6.67%) is closer to the 6% rate because that loan carries twice the balance. The calculator handles this math automatically — you just enter the numbers.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"When Would You Need a Blended Rate?","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"First and second mortgages:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Many homebuyers use a second mortgage or home equity loan alongside their primary mortgage. Lenders and financial advisors use blended rates to quickly summarize the combined cost of both.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Student loan management:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" If you graduated with several federal and private student loans at different rates, your blended rate tells you what you're effectively paying. This is especially useful when comparing your current loans against a refinancing offer from a private lender.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Debt consolidation decisions:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Thinking about rolling multiple debts into a single personal loan or home equity line? Your blended rate is the benchmark — if the consolidation rate is lower, you'd save on interest. If it's higher, you'd pay more.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Business financing:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Companies often carry multiple credit lines, equipment loans, and term loans at different rates. The blended rate gives finance teams and business owners a clean summary of their overall cost of capital.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Comparing refinancing offers:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" A lender offering to refinance multiple loans into one might quote you a single new rate. Knowing your current blended rate lets you evaluate that offer properly.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"How to Use This Calculator","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Enter your first loan balance","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" — type in the current outstanding balance in dollars (not the original loan amount).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Enter the interest rate","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" — use the annual interest rate as a percentage (e.g., type 6.5 for 6.5%).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":2},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Add more loans","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" — click \"Add another\" to add each additional loan. You can include up to 10.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":3},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Read your result","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" — the calculator instantly shows your effective blended rate as a percentage.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":4}],"direction":null,"format":"","indent":0,"type":"list","version":1,"listType":"number","start":1,"tag":"ol"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You can remove any entry that doesn't apply, and the result updates in real time as you make changes.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Practical Examples","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Example 1: Two Mortgages","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h3"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You bought a home using a first mortgage of $280,000 at 6.25% and a second mortgage of $70,000 at 8.00%.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"table","children":[{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Balance","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Rate","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"First mortgage","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$280,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"6.25%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Second mortgage","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$70,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"8.00%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**Blended rate**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**$350,000**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**6.60%**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1}],"direction":"ltr","format":"","indent":0,"version":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your blended rate is 6.60%. If a lender offers to refinance both into a single loan at 6.75%, you'd actually be paying ","type":"text","version":1},{"detail":0,"format":2,"mode":"normal","style":"","text":"more","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" in interest than you do now — so that deal isn't as attractive as it sounds.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Example 2: Multiple Student Loans","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h3"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You have three federal student loans from different academic years:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"table","children":[{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Balance","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Rate","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Subsidized loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$18,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"4.99%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Unsubsidized loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$22,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"6.54%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Graduate PLUS loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$15,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"7.54%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**Blended rate**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**$55,000**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**6.28%**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1}],"direction":"ltr","format":"","indent":0,"version":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your blended rate is approximately 6.28%. If a private refinance offer comes in at 5.75%, it's worth evaluating — though keep in mind you'd lose federal protections like income-driven repayment and forgiveness options.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Example 3: Mixed Consumer Debt","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h3"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You're considering a debt consolidation loan to simplify your payments:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"type":"table","children":[{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Debt","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Balance","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Rate","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Credit card","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$8,500","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"21.99%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Car loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$11,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"7.49%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"Personal loan","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"$$4,000","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"13.50%","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1},{"type":"tablerow","children":[{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**Blended rate**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**$23,500**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"type":"tablecell","children":[{"type":"paragraph","children":[{"type":"text","text":"**14.18%**","format":0,"style":"","detail":0,"mode":"normal","version":1}],"direction":"ltr","format":"","indent":0,"textFormat":0,"textStyle":"","version":1}],"direction":"ltr","format":"","indent":0,"version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"version":1}],"direction":"ltr","format":"","indent":0,"version":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your blended rate is 14.18%. A consolidation loan at 10.99% would meaningfully reduce your interest costs — and it would simplify three separate payments into one.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Blended Rate and Refinancing: What It Actually Tells You","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Your blended rate is the baseline you need before evaluating any refinancing or consolidation offer. Here's how to use it:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"New rate lower than your blended rate?","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Refinancing will reduce your interest costs. Run the numbers on fees and term length to confirm it's worth it overall.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"New rate higher than your blended rate?","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" You'd be paying more in interest, even if monthly payments are lower (because the term got longer). That's a trade-off worth understanding clearly.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":2},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Rates are close?","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Other factors — simplifying payments, locking in a fixed rate, releasing a co-signer — might still make it worthwhile.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":3}],"direction":null,"format":"","indent":0,"type":"list","version":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"One important note: the blended rate doesn't account for loan terms. If your two loans have different payoff timelines, the blended rate won't capture the full cost picture. For those situations, a full amortization comparison gives a more complete answer.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Important Notes","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"This calculator determines the weighted average interest rate based on balances and rates you enter. It doesn't factor in loan fees, origination costs, repayment terms, or compounding frequency differences between loans. For a complete comparison when evaluating refinancing, use the blended rate as a starting point and factor in all associated costs.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Interest rates shown are for comparison purposes. Always confirm current loan terms and consult with a financial advisor before making decisions about refinancing or debt consolidation.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}},"id":"699d993afcb18b0004d6b11f"}]}]}],"$L34"]}],"$L35"]}]]}]}]}]
3c:I[51318,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"Calculator"]
3d:I[62540,[],"IconMark"]
34:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is a blended interest rate?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A blended rate is the weighted average interest rate across multiple loans or debts. It gives you a single percentage that represents your combined borrowing cost, with each loan's contribution weighted by its balance. A $100,000 loan has more impact on your blended rate than a $5,000 loan at the same rate.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How is a blended rate different from a simple average?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A simple average treats all loans equally regardless of size. A blended rate weighs each loan by its balance, which gives you a more accurate picture of your actual interest burden. For example, if you have a large loan at 5% and a tiny loan at 20%, your simple average is 12.5% — but your blended rate would be much closer to 5% because the large loan dominates.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Is a lower blended rate always better?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Generally yes — a lower blended rate means you're paying less interest on your total debt. But when comparing a refinanced single loan to your current blended rate, make sure to also consider loan fees, the new repayment term, and whether you're giving up any benefits (like federal student loan protections such as income-driven repayment or forgiveness options).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I use this calculator for student loans?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. Enter each student loan's current balance and interest rate. The result shows your effective weighted average rate across all of them — useful when comparing your current loans against a private refinance offer. If considering refinancing federal loans, remember you'd lose federal protections in the process.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I use this for business loans?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":"$L36"}]]}],"$L37","$L38","$L39","$L3a","$L3b"]}]]}]
35:["$","div",null,{"className":"lg:col-span-2","children":[["$","div",null,{"className":"sticky top-24 mb-6 max-h-[calc(100vh-6rem)] overflow-y-auto space-y-4","children":[["$","$L3c",null,{"className":"rounded-xl shadow-sm","id":"cmltd2duz0000l104qd2rtyrv"}],["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-4","children":["$","nav",null,{"aria-label":"Table of contents","children":[["$","h2",null,{"className":"text-lg font-display font-normal mb-4 text-mist-900","children":"Table of Contents"}],["$","ul",null,{"className":"space-y-2.5","children":[["$","li","what-is-a-blended-rate",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#what-is-a-blended-rate","children":"What Is a Blended Rate?"}]}],["$","li","the-blended-rate-formula",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#the-blended-rate-formula","children":"The Blended Rate Formula"}]}],["$","li","when-would-you-need-a-blended-rate",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#when-would-you-need-a-blended-rate","children":"When Would You Need a Blended Rate?"}]}],["$","li","how-to-use-this-calculator",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#how-to-use-this-calculator","children":"How to Use This Calculator"}]}],["$","li","practical-examples",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#practical-examples","children":"Practical Examples"}]}],["$","li","example-1-two-mortgages",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#example-1-two-mortgages","children":"Example 1: Two Mortgages"}]}],["$","li","example-2-multiple-student-loans",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#example-2-multiple-student-loans","children":"Example 2: Multiple Student Loans"}]}],["$","li","example-3-mixed-consumer-debt",{"className":"ml-3","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#example-3-mixed-consumer-debt","children":"Example 3: Mixed Consumer Debt"}]}],["$","li","blended-rate-and-refinancing-what-it-actually-tells-you",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#blended-rate-and-refinancing-what-it-actually-tells-you","children":"Blended Rate and Refinancing: What It Actually Tells You"}]}],["$","li","important-notes",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#important-notes","children":"Important Notes"}]}]]}]]}]}]]}],["$","div",null,{"className":"space-y-6","children":false}]]}]
28:null
2d:[["$","title","0",{"children":"Blended Rate Calculator – Weighted Average Interest Rate"}],["$","meta","1",{"name":"description","content":"Calculate the blended interest rate across multiple loans, mortgages, or debts. Enter each balance and rate to find your weighted average borrowing cost."}],["$","link","2",{"rel":"canonical","href":"https://activecalculator.com/calculators/finance/blended-rate"}],["$","meta","3",{"property":"og:title","content":"Blended Rate Calculator – Weighted Average Interest Rate"}],["$","meta","4",{"property":"og:description","content":"Calculate the blended interest rate across multiple loans, mortgages, or debts. Enter each balance and rate to find your weighted average borrowing cost."}],["$","meta","5",{"property":"og:url","content":"https://activecalculator.com/calculators/finance/blended-rate"}],["$","meta","6",{"property":"og:site_name","content":"ActiveCalculator"}],["$","meta","7",{"property":"og:locale","content":"en_US"}],["$","meta","8",{"property":"og:image","content":"https://activecalculator.com/api/og/calculator?title=Blended%20Rate%20Calculator"}],["$","meta","9",{"property":"og:image:width","content":"1200"}],["$","meta","10",{"property":"og:image:height","content":"630"}],["$","meta","11",{"property":"og:image:alt","content":"Blended Rate Calculator – Weighted Average Interest Rate"}],["$","meta","12",{"property":"og:type","content":"website"}],["$","meta","13",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","14",{"name":"twitter:site","content":"@activecalculator"}],["$","meta","15",{"name":"twitter:creator","content":"@activecalculator"}],["$","meta","16",{"name":"twitter:title","content":"Blended Rate Calculator – Weighted Average Interest Rate"}],["$","meta","17",{"name":"twitter:description","content":"Calculate the blended interest rate across multiple loans, mortgages, or debts. Enter each balance and rate to find your weighted average borrowing cost."}],["$","meta","18",{"name":"twitter:image","content":"https://activecalculator.com/api/og/calculator?title=Blended%20Rate%20Calculator"}],["$","link","19",{"rel":"icon","href":"/favicon.ico?756f06c5b2066fec","type":"image/x-icon","sizes":"48x48"}],["$","$L3d","20",{}]]
36:["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Absolutely. Businesses with multiple credit lines, term loans, or equipment financing at different rates can use this to calculate their overall cost of borrowing. This is helpful for financial reporting, refinancing decisions, or presenting your debt picture to investors or a CFO.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]
37:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What if my loans have different repayment terms?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The blended rate calculation doesn't account for loan terms — it only factors in balance and interest rate. If your loans have significantly different timelines (for example, one is a 30-year mortgage and one is a 5-year car loan), the blended rate is still useful for comparing interest costs, but you'll want a more detailed amortization analysis to fully understand your total repayment picture.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
38:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does blended rate apply to mortgages?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"When homebuyers use a first and second mortgage (or a piggyback loan), lenders and financial advisors often reference the blended rate to describe the combined interest cost. It's also useful when you have a primary mortgage and a home equity loan or HELOC and want to understand your total mortgage interest burden in a single number.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the difference between blended rate and APR?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APR (Annual Percentage Rate) includes fees and other costs on top of the interest rate for a single loan. Blended rate combines multiple loans by their interest rates and balances, without factoring in fees. They answer different questions: APR tells you the true cost of one loan; blended rate tells you the weighted average rate across many.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"If I pay off one loan, will my blended rate change?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes. Paying off a loan removes it from the calculation. If you pay off a high-rate loan, your blended rate drops. If you pay off a low-rate loan first (like many people do with mortgages), your blended rate can actually increase because the higher-rate debts now carry more relative weight.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How many loans can I calculate at once?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"This calculator supports up to 10 separate balance and rate pairs, which covers most real-world debt scenarios including multiple mortgages, student loans, car loans, credit cards, and business lines of credit.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]