Refinance Points Break-Even Calculator
Points break-even when refinancing — how long payment savings take to recover points cost.
Results
Loading live data stamp…
Assumptions
- Browser-side amortization math using your inputs.
- US-oriented defaults unless noted; always enter your own numbers.
- Not a lender quote or personalized advice.
How it works
This calculator runs in your browser using the numbers you enter. Results are educational estimates only—not a lender quote or personalized advice.
FAQ
What does break-even mean here?
Roughly how many months of payment savings it takes to recover cash closing costs (or similar upfront costs).
Should I refinance?
This tool only estimates payment math. Taxes, credit, fees, and how long you will keep the loan also matter — talk to a qualified professional.
Are taxes and insurance included?
Usually not unless a field asks for them. Most pages compare principal & interest (and optional PMI) only.
Related calculators
Estimates only. See Disclaimer.