Your mortgage rate is one number. Your true cost of borrowing is another — weighted across every dollar you owe. This instrument reveals the gap, shows you where the cost lives, and maps the path out.
Inputs · Your Debt Stack
0 ACTIVE
First Mortgage
P&I only
Credit Cards
Add each card separately
Auto Loans
Add each loan separately
HELOC / Second Lien
If applicable
Personal / Other
Student, personal, BNPL
Home Value
Used for the equity & Path C/D analysis
$
Live Readout
Awaiting Inputs
Blended Rate
—
Weighted cost across your stack
Your mortgage rate is one input. This is what every borrowed dollar actually costs you — the number to measure every payoff and refinance decision against, not the one on your statement.
Structure Tax™
—
Annual interest above mortgage baseline
The cost of how your debt is arranged — not how much you owe, and not your mortgage rate. Structure can usually be fixed without touching the mortgage.
Total Debt
—
Annual Interest
—
Monthly Outflow
—
Debt Composition
Debt Drag · Interest Contribution
Where the cost actually lives
Enter your debts to begin
The Blended Rate Engine reveals the real weighted cost of your debt stack. Enter your balances, rates, and minimum payments to produce a live readout.
The Next Step
When you're ready to see whether your structure can be engineered down, book a Madison Method review — or have this readout sent to your inbox.
Month by month, debt by debt. No new loans, no restructuring — just the same money you're already spending, applied in a smarter order.
Right now you're making minimum payments on everything. Watch what happens if you keep making the exact same total monthly payment — but quietly direct the extra dollars toward your highest-rate debt first. Each time a debt is paid off, that freed-up payment rolls into the next one. This method is called the debt avalanche, and it's the fastest mathematically legal way out of consumer debt.
Your Payoff Order
Your Four Options
The avalanche above is one path — the just pay it down path. There are three others. Each handles the same debt differently, with different trade-offs.
Path A
Pay It Down
No new loans. Reorder your payments using the debt avalanche — highest rate first. The money you free from each eliminated debt attacks the next one.
Consolidate consumer debt into a single lower-rate instrument. One payment, predictable timeline. Mortgage stays untouched.
Your weighted consumer rate—
%
Interest reduced per year—
The rate above is your assumption, entered for illustration — not an available rate, a quote, or an offer. Consolidating debt may extend your repayment period and result in higher total interest paid over time, even if your monthly payment decreases.
Access home equity to eliminate high-rate consumer debt. Converts unsecured debt to secured — requires careful analysis of trade-offs.
Total equity (est.)—
Accessible at 80% CLTV (est.)—
Consumer debt clearable—
Your home is used as collateral. HELOC rates may increase over time, and repayment obligations can change materially. Accessible equity is shown at an illustrative 80% combined loan-to-value; actual limits vary by lender, program, and qualification.
Sell your home, access equity, eliminate consumer debt from proceeds, and purchase your next home with a cleaner structure.
Est. sale price—
Selling costs (est. 8%)—
Mortgage & HELOC payoff—
Available for consumer debt—
Consumer debt—
Debt cleared—
Left for your next purchase—
Selling a home involves transaction costs, replacement-housing risk, and strategy trade-offs that should be evaluated in full context. Figures assume estimated selling costs of 8% of sale price; actual costs vary.