Mortgage Points Calculator

Compare two fixed mortgage rates, point cost, monthly payment difference, break-even months, and estimated savings over a chosen stay period.

Loan amount

Rate without points (%)

Rate with points (%)

Points cost (% of loan)

Mortgage term (years)

Expected time before sale/refinance (years)

—Upfront points cost

—Monthly payment savings

—Break-even months

—Net savings over entered horizon

Compares payment savings with point cost only. Taxes, opportunity cost, closing-cost financing, refinance fees, and lender pricing rules are not modeled.

How to use this Mortgage Points Calculator

Compare two fixed mortgage rates, point cost, monthly payment difference, break-even months, and estimated savings over a chosen stay period.

Practical tips and limits

Change the assumptions to match the scenario you want to model. Results are browser-local estimates and are not lender, landlord, tax, legal, or investment advice. Real contracts can use different timing, fees, eligibility rules, and rate conventions.