SBLOC Tools

SBLOC Payoff Calculator

See your real monthly payment, interest-only minimum, and total cost of borrowing against your portfolio. 2026 rates baked in.

SBLOC drawn against your portfolio
Typical 2026 SBLOC rates: 6.5% – 9.5%
SBLOCs are interest-only by default; this calculates fixed-payment payoff
Monthly payment
—
Interest-only minimum—
Total interest paid—
Total cost of credit—
Effective annual yield needed on portfolio—
Watch this: if your portfolio yields less than the SBLOC rate after tax, you are losing money on the spread. Clarivian alerts you when broker rates change so you can refinance or pay down.

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