Refinance breakeven + move-date reality check
See the monthly savings, cash breakeven, hold-period net benefit, and term-reset risk before refinancing.
Last updated 2026-05-04. Educational planning only.
Interactive calculator
Most refinance calculators stop at simple monthly savings. This one adds whether you will keep the loan long enough to recover closing costs and whether rolling costs into the loan hides the real payback.
Most refinance calculators stop at simple monthly savings. This one adds whether you will keep the loan long enough to recover closing costs and whether rolling costs into the loan hides the real payback.
Enter a scenario above to generate a planning summary.
It tests breakeven against how long you expect to keep the new loan and shows the effect of rolling costs into the refinanced balance.
Not automatically. A lower payment can still be a poor move if closing costs, points, or a longer term erase the benefit before you sell or refinance again.
No. Use it for planning, then verify the rate, APR, closing costs, points, escrow, and cash-to-close with a lender.