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Refinance break-even calculator
How many months it takes for a lower mortgage rate to pay back the closing costs, and the lifetime difference.
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About Refinance break-even calculator
Finds how many months a lower mortgage rate takes to repay the closing costs, plus the lifetime difference. Break-even is closing costs divided by the monthly saving. If you will move or sell before then, refinancing may cost you more than it saves.
How to use Refinance break-even calculator
- Enter your numbers above.
- The result updates instantly as you type.
- Change any value to compare different cases.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Available in 10 languages.
Also known as
Frequently asked questions
When does refinancing make sense?
When you will keep the loan well past the break-even month and the rate drop is meaningful. Also check that restarting the term does not raise total interest.
Is Refinance break-even calculator free?
Yes. Refinance break-even calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.