Refinance Calculator

New payment, monthly savings and break-even of refinancing.

Input Parameters

Loan balance

Current rate (%)

Years left

Closing costs

New rate (%)

New term (years)

1,499 / months

+349 / months

New payment1,499

Break-even (months)14 months

175 available

Annuity and differentiated monthly installments, interest breakdown, and amortization schedule.

Calculate PITI (Principal, Interest, Taxes, Insurance), PMI, and accelerated payoff savings.

Visualize compound growth with recurring deposits, annual rate, and investment horizons.

Add or extract Value Added Tax (VAT) with international country presets.

Analyze profitability and percentage return on business capital and investments.

Gross to net salary with income tax, social contributions and deductions, monthly and annual.

Refinance math: new payment at the new rate and term, monthly savings and break-even months against closing costs.

When to refinance?

Usually when rates dropped ~1%+ and you will stay past break-even.

What is break-even?

Closing costs divided by monthly savings, in months.

Longer term trap?

A lower payment can still cost more total interest over a reset 30 years.