Estimate how long it takes for refinance savings to cover upfront costs.
Save + compare
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Old payment minus new payment
Find how long it takes for refinance savings to cover penalties and fees.
Use it to decide whether refinancing makes sense today.
$5,000 penalty
See how long $150 monthly savings takes to recoup.
Short term remaining
Check if refinancing pays off with 18 months left.
Use the break-even, penalty, or renewal output alongside the refinance and renewal playbooks so you compare timing, costs, and fallback options before you switch.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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The calculator will show no breakeven; refinancing may not make sense.
Add cashback to reduce total costs for a clearer breakeven.
Often no. Compare renewal options before paying penalties.