Refinance Savings & Break-Even

Compare • Save • Decide

Original fixed-rate loan + start date • We estimate today’s balance • Compare one or two refi rates • Break-even + 3/5/7-year snapshots

Original loan amount ($)

Original rate (%)

Original term (years)

Loan start date (required)

Assumes a fixed-rate mortgage. For ARMs, treat results as approximations.

New loan term (years)

Base closing costs ($)

Roll closing costs into loan

Refi Rate #1 — No Points (%)

Compare a single rate by filling only this field (leave #2 blank).

Refi Rate #2 — Discounted (%)

Enter discount points as a percent below (e.g., 1.25).

Discount points (% of amount refinanced, optional)

We convert to dollars and include in closing costs for Refi #2.