貸款再融資計算器
計算貸款再融資的潛在節省金額和回本時間。
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Monthly Savings
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Deciding Whether Refinancing Is Worth It
Overview
Refinancing replaces your current loan with a new one — usually to get a lower rate, change the term, or lower the payment. This calculator compares your existing payment with a new one and shows the monthly savings and how long it takes those savings to cover the closing costs (the break-even point). It computes everything in your browser.
How to Use (Step by Step)
- 1
Enter your current loan details
Remaining balance, current rate, and current payment.
- 2
Enter the new loan terms
Proposed rate, new term, and estimated closing costs.
- 3
Read the break-even point
If you'll keep the loan longer than the break-even months, refinancing saves money.
How It Works
The tool amortizes both loans and compares them. The new monthly payment comes from the remaining balance, the new rate, and the new term. Monthly savings is the old payment minus the new one; the break-even months equal closing costs ÷ monthly savings. If you plan to keep the home past that break-even point, refinancing generally pays off.
When to Use This
Checking whether a rate drop justifies refinancing after closing costs. Deciding whether to shorten the term or lower the payment. Confirming you will stay in the home long enough to recoup the fees.
Frequently Asked Questions
The number of months of savings needed to recover the refinance's closing costs. Stay past it and you come out ahead; sell or refinance again before it and you lose money.