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Blended Interest Rate Calculator

Calculate the weighted average interest rate across multiple accounts

Enter your account details:

What is a blended interest rate?

A blended interest rate is the weighted average of interest rates across multiple accounts or loans, where each rate is weighted by its corresponding balance. This is calculated by:

Blended Rate = (Sum of [Balance × Rate]) ÷ Total Balance

For example, if you have $10,000 at 2% and $5,000 at 3%, your blended rate would be (($10,000 × 2%) + ($5,000 × 3%)) ÷ $15,000 = 2.33%

The Blended Interest Rate Calculator simplifies calculating the weighted average interest rate across multiple accounts or loans. Enter balances and rates to instantly compute your blended rate, with detailed breakdowns for clarity. Ideal for financial planners, investors, or anyone managing multiple accounts, this tool offers a sleek interface, real-time updates, and PDF export capabilities.

The Blended Interest Rate Calculator computes the weighted average interest rate using:

Blended rate calculator

  • Balance: The amount in each account (in USD, non-negative, decimal-supported).
  • Rate: The interest rate for each account (as a percentage, non-negative, decimal-supported).
  • Summation: Multiplies each balance by its rate, sums these products, and divides by the total balance.

How to Use Blended Interest Rate Calculator

Calculate your blended interest rate effortlessly with these simple steps:

  • Add Account Details: Start with two default entries; input each account’s balance (e.g., $10,000) and interest rate (e.g., 2.5%).
  • Add More Accounts: Click “Add Account” to include additional accounts as needed.
  • Remove Entries: Click the trash icon to delete an entry (minimum one entry required).
  • View Results: See the total balance and blended rate update in real-time, with a detailed calculation breakdown.
  • Edit Inputs: Adjust balances or rates directly, with instant recalculation of results.
  • Export to PDF: Use your browser’s “Print” → “Save as PDF” to save a clean, single-page record.

Why Use Blended Interest Rate Calculator Online?

Unlock smarter financial management with the Blended Interest Rate Calculator:

  • Accurate Weighted Average: Calculates blended interest rates across multiple accounts with precision.
  • Dynamic Entry System: Add or remove account entries effortlessly, with a minimum of one entry enforced.
  • Real-Time Results: Updates total balance and blended rate instantly as you input data.
  • Detailed Breakdown: Displays step-by-step calculations for transparency (e.g., each balance × rate term).
  • Ideal for Financial Planning: Perfect for investors, accountants, or anyone managing multiple loans or savings accounts.

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