// multi-utility computation suite · offline · instant · precise
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fin.home-refinance-break-even Calculator
Calculates break-even months for a mortgage refinance from monthly payment savings and closing costs. If you plan to sell before the break-even, refinancing is net negative — for a $200k savings over 10 years with $6k closing costs the break-even is ~8 months.
Inputs
Current Rate Pct
Rate of charge flow (A). I = V/R. Above ~100 mA through the body can be lethal. Fuses protect against overcurrent.
New Rate Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Loan Balance
Reference formula or conversion factor shown for context.
Closing Costs
Reference formula or conversion factor shown for context.
Years Remaining
Reference formula or conversion factor shown for context.
Results
monthly payment saving
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
break-even months
The price, quantity, or time at which total revenue equals total cost — neither profit nor loss.
new monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
old monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
5-year interest savings
Total money or resources saved compared to the baseline or alternative scenario.
total interest savings (net)
Cumulative interest paid over the loan term. Paying even a little extra each month toward principal can save tens of thousands.