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10-Yr Treasury 5.28% up0.042-Yr 4.83% up0.055-Yr 5.06% up0.0530-Yr 5.63% up0.02Close Oct 2, 2026How this moves mortgage rates →
The Mortgage Advisory
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Life Rate calculator

What's your Life Rate?

The short answer

Your Life Rate is the blended interest rate on everything you owe: your mortgage plus credit cards, car loans, and solar or PACE liens. A low mortgage rate can hide a much higher real cost. Enter your balances and rates below to see yours; The Mortgage Advisory can then show you how to lower it.

Your debts

What you owe

Mortgage
Credit cards
Car loan
Solar / PACE / HERO lien
Personal or other loans

Balances up to $5,000,000. Rates from your statements.

Your Life Rate

4.9%

compared with your 3.25% mortgage rate

$19,935 a year goes to interest on $408,000 of debt.

Where your interest goes
  • Share of what you owe
  • Share of interest you pay

  • Mortgage

    86% owed
    57% interest

  • Credit cards

    7% owed
    31% interest

  • Car loan

    7% owed
    12% interest

Want to see how low it could go? We'll compare a HELOC, a cash-out refinance, and a reverse mortgage second with real quotes and every cost on paper.

Book a call with an advisorShow me how to lower it

Your numbers stay on your device and aren't saved. “Show me how to lower it” shares them (no names) with our AI assistant so it can answer.

How is it calculated?

Life Rate = (total yearly interest ÷ total debt) × 100. Each balance is multiplied by its rate to get its yearly interest; add those up and divide by everything you owe. It's a simple estimate: it doesn't include fees, and rates on cards and some loans can change.

Want the full story? Read what your Life Rate is and why it matters and HELOC or cash-out refinance: which is better?