Refinance calculator

Compare your current payment against a new rate and closing costs to estimate monthly savings and break-even timing.

Refinance inputs

Compare current and new loan terms

Current loan balance

Current rate

New rate

New loan term

Closing costs

Estimated savings

$190 / mo

Current principal and interest$2,271

New principal and interest$2,081

Break-even point33 months

Rate change0.8%

Compare this estimate with lender quotes, closing disclosures, loan term changes, and how long you expect to keep the home.

Optional next steps

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Future paid upgrade for deeper homeowner planning.