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Mortgage Refinancing Calculator


This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.


Enter the remaining principal balance of your mortgage:  
Enter the amount of your monthly mortgage payment:  
Enter your mortgage's current interest rate:  
Enter the new interest rate you will be refinancing:  
Enter the number of years you will be refinancing:  
Enter the closing costs that will be required for refinancing:
(If you're not sure, multiply your remaining principal balance by .03)
This is your new monthly payment:  
This is how much you will save each month:  
Number of months to break even on closing costs:  
This is the total interest you will pay currently:  
This is the total interest you will pay if you refinance:  
This is the total amount of interest you will save:  
Total refinancing savings:  


The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.