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Residential Debt Analysis

Blended Interest Rate Calculator

Add every debt you carry — mortgage, credit cards, CRA, vehicle, line of credit — and see your true blended effective rate. Then see what consolidating into one mortgage would save you each year.

Your debts

Tip: paste from Excel or your system — balance and rate can be tab or comma separated (e.g. $12,000 → 5.29%).

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Your blended effective rate
0.00%
on $0 total · weighted nominal 0.00%

Annual interest cost

Total / year$0
≈ $0 every month going to interest alone.

Effective Annual Rate (EAR) = (1 + r/n)n − 1. Compounding follows Canadian convention: fixed mortgages semi-annual, variable / LOC / HELOC monthly, credit card and CRA daily.

Annual interest · who's eating you alive

The longest bar is the debt to attack first — that's where consolidation saves the most.

What this calculator does that most don't
  • Each debt type carries its true compounding convention — credit cards and CRA debt compound daily, mortgages semi-annually, lines monthly — and the blend is computed on effective annual rates
  • Includes a CRA tax-debt row (daily compounding, non-deductible) — because that's a real balance on real files
  • Paste straight from Excel — balances and rates split automatically from tab or comma data
Want a real plan, not just an estimate?
Send Ramin exactly what you just calculated — your scenario rides along automatically, so the first conversation starts at your numbers, not at zero.
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Should you blend, break, or switch?

Calculators give estimates. We compare your blend-and-extend offer against breaking with a penalty and switching lenders — and tell you which actually saves the most over your remaining term. Free, no obligation, same-day reply.

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How it works: each debt is converted to an Effective Annual Rate (EAR) using its actual compounding schedule, then weighted by balance to produce your blended rate. CRA and credit card balances are compounded daily — usually the silent killers of household cash flow.

Also see: Land transfer tax → · Financing fees →