Refinance Calculator

Free Online Refinance Calculator

Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.

Refinance Calculator

Find out if refinancing saves you money — and how much

Current Loan

Remaining Balance

Current Interest Rate

Remaining Term

New Loan (Refinanced)

New Interest Rate

New Loan Term

Cash-Out Amount (optional)

Closing Costs & Fees

Origination Fee

Appraisal & Other Fees

Roll Costs into Loan?

Your Situation

How Long Will You Stay?

Income Tax Rate (for interest deduction)

💡

Verdict

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Current Loan

Monthly Payment

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Refinanced Loan

New Monthly Payment

—

Monthly Savings

—

Monthly Savings

—

Total Closing Costs

—

Break-Even Point

—

Net Savings Over Stay

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Old Total Interest

—

New Total Interest

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Interest Saved (lifetime)

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Rate Drop

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⏱ Break-Even Timeline —

Month 0 Your stay Loan end

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📋 Year-by-Year Comparison

Year	Old Balance	New Balance	Old Interest	New Interest	Cumulative Savings

🔮 What-If Scenarios

If rate drops another 0.5%: —

If you stay only 3 years: —

If you stay the full loan term: —

If closing costs were zero: —

After-tax monthly savings: —

Key Considerations

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