EXHIBIT 99
                      RATIOS OF EARNINGS TO FIXED CHARGES

                    WHIRLPOOL CORPORATION AND SUBSIDIARIES

                             (dollars in millions)

 
 
                                                     Three Months Ended
                                                       March 31, 1999
                                                    --------------------
                                                  
Pretax earnings                                                   (4.2)

Portion of rents representative
  of the interest factor                                           4.7

Interest on indebtedness                                          40.9

Amortization of debt expense
  and premium                                                       .2
                                                     
WFC preferred stock dividend                                       1.0
                                                     ------------------
                                                     
       Adjusted income                                            42.6
                                                     ==================
                                                     
                                                     
Fixed charges                                        
                                                     
   Portion of rents representative                   
     of the interest factor                                        4.7
                                                     
   Interest on indebtedness                                       40.9
                                                     
   Amortization of debt expense                      
     and premium                                                   0.2
                                                     
   WFC preferred stock dividend                                    1.0
                                                     ------------------
                                                     
                                                                  46.8
                                                     ==================
                                                     
Ratio of earnings to                                 
  fixed charges                                                    .91
                                                     ==================
                                                     
Ratio of earnings to                                 
  fixed charges at                                   
     March 31, 1998                                               3.15
                                                     ==================