Refinance Calculator

Compare current loan vs refinance option with break-even analysis

Current loan balanceCurrent interest rate (%)Remaining term (months)New interest rate (%)New term (months)Closing costsCash-out amount

Current monthly payment

$2,282

New monthly payment

$2,313

Monthly payment change

+$31

Estimated interest savings

$134,966

Break-even months

—

Estimate only. Final refinance terms depend on lender pricing, fees, and credit profile.