Refinance Break-Even Calculator
Include lender-quoted fixed-rate break costs, fees and repayment savings to estimate your refinance payback period.
Cash-flow payback
6 months
Monthly saving after fees
$195
Total upfront cost
$1,000
Year-one net benefit
$1,341
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Assumptions and limitations
Cash-flow break-even divides upfront costs by the monthly P&I repayment saving plus annual fee difference. This is not an equity-adjusted economic break-even calculation. Both loans retain the same remaining term and balance. Rates are held constant; financed fees and cashback are excluded. Get a dated written break-cost quote from your lender; this tool cannot calculate contractual break costs.
Compare live panel lender rates. All calculations are estimates only, not financial, tax or credit advice.
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