Breakeven Calculator
Know exactly when refinancing pays for itself with closing cost breakeven analysis.
Closing Cost Recovery Timeline
Every refinance costs money upfront. The breakeven calculator divides your total closing costs by your monthly savings to pinpoint the exact month your refi pays for itself. If you plan to hold the property past that date, refinancing is likely a smart move.
- Exact breakeven month calculated from closing costs and monthly savings
- Option to model rolling closing costs into the new loan
- Accounts for both lender fees and third-party closing costs
- Compare breakeven timelines for different rate offers side by side
Cumulative Savings Projection
Go beyond the breakeven month to see how savings compound over your planned hold period. After the breakeven point, every month of savings is pure profit. The projection shows your cumulative net benefit at year 1, 3, 5, and beyond so you can match the refi decision to your investment timeline.
- Cumulative net savings at each year of the projection
- Visual timeline showing when you cross from cost to profit
- Factor in your planned hold period to see total benefit
- Compare rate-and-term breakeven against cash-out breakeven
Sample Output
See what this feature calculates for you.
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