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Refi Analyzer
Should you refinance? Enter your current loan details and a new rate to see your monthly savings, break-even timeline, and total cost comparison. The math tells the story.
Current Loan
New Loan
Your Plan
Worth It — You'll recoup costs and save
Current Payment
$2,523
New Payment
$2,212
Monthly Savings
$310
Break-Even
13 mo
Total Interest Saved (life of loan)
$20,906
Net Savings Over 7yr Hold
$22,068
When does a refi make sense? Generally, if you can lower your rate by 0.5%+ and plan to stay in the home past the break-even point, refinancing saves money. This calculator compares principal & interest only — your actual savings may vary with escrow changes.