// multi-utility computation suite · offline · instant · precise
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fin.mortgage-points-break-even Calculator
Calculates the monthly payment reduction and break-even period from buying mortgage discount points. Each discount point costs 1% of the loan and typically reduces the rate by 0.25% — break-even is typically 4–7 years.
Inputs
Loan Amount
The total sum borrowed. Even a small reduction here compounds into large interest savings over a 30-year term.
Rate Without Points Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Rate With Points Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Points Pct
Reference formula or conversion factor shown for context.
Results
monthly payment without points ($)
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
monthly payment with points ($)
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
monthly saving ($)
Sample size or count used in the calculation.
upfront cost of points ($)
The total monetary cost computed for the given inputs.
break-even period (months)
The price, quantity, or time at which total revenue equals total cost — neither profit nor loss.
break-even (years)
The price, quantity, or time at which total revenue equals total cost — neither profit nor loss.