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Refi tradeoffs

Refinance Calculator

Compare the current loan to a proposed refinance and see whether the monthly savings, break-even point, and lifetime impact actually make sense.

  • Know whether a lower rate is really better after fees and time horizon.
  • Break-even matters only if you will still hold the loan when it arrives.
  • Use this before running applications and hard-credit pulls.

Inputs

Run the numbers

Result

Refinancing cuts the payment by about $386 per month, with an estimated break-even around 17 months.

Current payment

$2,397

New payment

$2,011

Monthly change

$386

Closing costs

$6,500

Break-even point

1 years 5 months

Lifetime net impact

$17,237

  • Break-even only matters if you plan to keep the loan past that point.
  • A lower payment with a much longer term can still cost more over time.
  • This tool is a decision filter, not a rate-lock quote.

Hybrid lead capture

Want the refinance comparison sent to you?

Email me the detailed report and a next-step note from Ryan.

We will save the current-vs-proposed numbers and the break-even estimate so you can compare offers without rebuilding the math.

Refinancing cuts the payment by about $386 per month, with an estimated break-even around 17 months.

Current headline result: $2,397