Break Even Refinance Calculator

Refinance Break-Even Calculator ⚡ Instant analysis

See how many months it takes for your monthly payment savings to recover your refinance costs.

Loan & Rate Details

Current Loan Balance

Approximate remaining principal

Remaining Term (years)

Years left on your current loan

Current Rate (%)

New Rate (%)

New Term (years)

If blank, we assume same as remaining term.

Refinance Costs ($)

Include lender fees, title, appraisal, points, etc.

Break-Even

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Enter numbers to compare

We’ll show how long it takes your monthly savings to recover your refinance costs, plus compare current vs. new payment.

Current Monthly Payment (P&I)

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New Monthly Payment (P&I)

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Estimated Monthly Savings

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Total Refi Costs

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This calculator is for educational purposes only and does not constitute financial advice. It assumes fixed-rate loans and principal & interest payments only.