Mortgage Refinance Break-Even Calculator
Find out how long it takes to break even on a refinance — and whether it’s worth it.
Current payment
$1,949
New payment
$1,634
Monthly savings
$315
Break-even & lifetime impact
Break-even point
17.4 months
Interest left on current
$374,944
Interest on new (+ closing)
$313,741
Worth it: you’d save about $61,203 in lifetime interest after closing costs.
关于此工具
Enter your current loan, the new loan, and the closing costs. Get the monthly savings, the break-even point in months, and the lifetime savings. The classic r/personalfinance refinance sanity check.
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