Refinance Break-Even Calculator
Input current balance, remaining term, old/new rates and refi costs; the calculator returns monthly saving, the months needed to recover costs, and net saving over the remaining term.
Refinance Break-Even Calculator
Compares monthly repayment and interest only; does not include break cost on fixed-rate exits or any upstream penalties.
How to use
Results refresh as you edit the fields — no need to press Calculate. Adjust any input to test alternative scenarios.
Notes
Only monthly-repayment and interest differences are compared — break costs on fixed-rate exits and other penalty clauses are not included.