🧮 FREE CALCULATOR
Refinance Break-Even Calculator
Calculate your exact break-even point, monthly savings, and lifetime savings. See if refinancing makes sense for your situation in 2 minutes.
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Enter your information and click "Calculate" to see your personalized results.
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How the Break-Even Calculator Works
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1. Calculate Savings
We calculate your monthly payment difference between your current rate and the new refinance rate.
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2. Find Break-Even
We divide your closing costs by monthly savings to find how many months until you break even.
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3. Show Lifetime Value
We calculate your total savings over the life of the loan, minus closing costs.