Interactive calculator
Refinance analyzer
Estimate savings, penalties, and cash out before you switch lenders.
Calculation notes
Methodology for the refinance analyzer
Compare your current mortgage to a refinance option and see savings or costs.
Use it to decide if the penalty is worth paying.
Inputs to check
- Current balance and rate
- Remaining term
- New rate and term
- Penalty and fees
Assumptions
- Assumes constant rates during the compared term.
- Fees are entered as fixed values.
- Results are estimates, not lender quotes.