Refinance Calculator

Estimate payment change, monthly savings, break-even time, and total interest using user-entered assumptions.

Current balance

Current rate (%)

Months remaining

New rate (%)

New term (months)

Refinance costs

—Current payment

—New payment

—Monthly payment change

—Simple cost break-even

Planning estimate only. Results depend on the values and assumptions you enter and are not financial, tax, legal, or lending advice.

How to use this Refinance Calculator

Compare a current fixed-rate loan with a proposed refinance. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.