Refinance Break-Even Calculator

See how many months until refinancing pays for its closing costs.

Current monthly payment ($):

New monthly payment ($):

Closing costs ($):

Simplified — ignores term changes and tax effects. Not financial advice.

How to use

Enter your current and new payments plus closing costs, then click Calculate. Everything runs in your browser — nothing is uploaded or stored.

How is break-even figured?

Closing costs ÷ monthly savings = months to break even.

What about long-term savings?

We also show your total savings over 5 years.

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