learn.howToCalculate
learn.whatIsHeading
Refinance calculator determines if refinancing saves money by comparing closing costs to interest savings over remaining loan life.
Trinn-for-trinn guide
- 1Input original loan, new loan terms, closing costs
- 2Calculate monthly savings
- 3Find breakeven month (savings > costs)
Løste eksempler
Inndata
Refi $300k at 0.5% lower rate, $3000 costs
Resultat
Breakeven in ~24 months, refinance if staying longer
Popular above 1% savings
Vanlige feil å unngå
- ✕Ignoring closing costs (significant)
- ✕Assuming you'll keep home long-term
Ofte stilte spørsmål
Should I refinance?
If breakeven before selling/payoff and rate drops significantly (0.5%-1%+).
Klar til å beregne? Prøv den gratis Refinance Breakeven-kalkulatoren
Prøv selv →