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Refinance a mortgage
Compare payment, closing costs, break-even, points, and remaining balances.
Your path
One decision, connected steps.
Work in order or open only the calculation you need. Progress stays privately on this device, without an account.
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0%- 01Finance
Mortgage Refinance
Test whether a new mortgage improves monthly cash flow and total remaining cost.
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Mortgage Points
See how long it takes a lower payment to recover the upfront cost of mortgage points.
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Mortgage Extra Payments
Compare the original payoff schedule with an accelerated plan while keeping the regular principal-and-interest payment visible.
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Loan Payoff
See how much time and interest an extra monthly payment could save.
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Before deciding
Check the complete picture.
- Use the current principal and payoff costs.
- Choose a realistic ownership horizon.
- Separate monthly relief from lifetime savings.