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Refinance Break-Even Calculator

Use this to estimate how long it takes monthly savings to recover refinance fees, plus a rough total-payment comparison.

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$0 estimated monthly payment change (principal + interest)

Break-even: --

Total-payment comparison: --

Formula: Break-even months = refinance fees / monthly savings. Example: $5,000 / $500 = 10 months. If savings were $250, break-even would be 20 months.

Important: This is an educational estimate. Taxes, escrow changes, points, cash-out details, and lender-specific costs can materially change outcomes.