What Is a Refinance Break-Even Calculator?
When you refinance a mortgage you pay closing costs upfront, but you usually lower your monthly payment. The break-even point is the moment those monthly savings have added up to exactly cover the closing costs. After that point, every dollar of savings is money in your pocket. This calculator tells you how many months it takes to reach that point so you can decide whether a refinance makes sense for how long you plan to stay in the home.
How to Use It
Enter three numbers: your current monthly payment, your expected new monthly payment after refinancing, and the total closing costs for the new loan (lender fees, appraisal, title, points, etc.). The calculator divides the closing costs by your monthly savings to give the break-even point in months and years.
The Formula Explained
The math is simple:
Worked Example
Suppose your current payment is 1,600, your new payment is1,400, and closing costs are 4,800. Your monthly savings are 1,600 - 1,400 =200. Break-even =
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