FinCalc
Loan · Mortgage · Savings — works offline
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Refinance break-even calculator
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Loan
Mortgage
Savings
Payoff
Refinance
PRO
Loan amount
$
Interest rate (APR %)
%
Term (years)
Monthly payment
$0
$0
Total paid
$0
Total interest
0
Payments
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PRO
Fixed-rate amortizing loan, monthly compounding. Estimates only — confirm exact figures with your lender.
Home price
$
Down payment
$
Rate (APR %)
%
Term (years)
Property tax / yr
$
Monthly payment (PITI est.)
$0
$0
Principal+Int
$0
Tax /mo
$0
Loan amount
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PRO
PITI excludes home insurance & HOA, which vary. Property tax spread monthly. Estimates only.
Starting amount
$
Monthly deposit
$
Return (APY %)
%
Years
Future balance
$0
$0
You put in
$0
Interest earned
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PRO
Monthly compounding, deposits at month end. Returns are not guaranteed; for planning only.
Current balance
$
Rate (APR %)
%
Monthly payment
$
Time to pay off
—
$0
Total interest
$0
Total paid
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PRO
Credit-card style payoff. Increase the monthly payment to cut interest.
Current loan balance
$
Current rate (%)
%
New rate (%)
%
Years remaining
Closing costs
$
Monthly savings
$0
—
Break-even
$0
Lifetime saving
⤓ Export breakdown
PRO
Compares your current payment to a refinanced loan over the remaining term. Break-even = months to recover closing costs from monthly savings.
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Loan
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Mortgage
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Savings
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Payoff
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