PLANNING TOOLS / HYPOTHETICAL INPUTS
Refinance comparison calculator
Compare payment changes, cash costs and the debt still owed.
Change the assumptions, then calculate.
What this calculation includes
Same principal balance, fixed rates and monthly payments. Closing costs are paid upfront, not financed. No cash-out, taxes, insurance, tax effects, opportunity cost or prepayment penalties are modeled. Simple break-even uses payment savings only; the horizon comparison also accounts for remaining balances.
Outputs are estimates for planning, not a lending decision or offer. Confirm the details with your provider.
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