Refinance Calculator

Find your break-even point and see if refinancing your loan makes financial sense.

Current Loan

Your Existing Loan

$
%

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yrs
New Loan

Refinance Terms

%

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yrs
$

Fees, points, title, etc. — typically 2–5% of loan.

📋 Results
Old Monthly Payment
New Monthly Payment
Monthly Savings
Break-Even Point
Time to recover closing costs
Lifetime Savings
After closing costs
Cumulative Net Savings Over Time
Net savings after closing costs
Break-even line