Refinance & rate-buydown tools
Two calculators in one: a clean refinance break-even, plus a tool that compares discount points, a bigger down payment, and just investing the cash — against the same dollar amount.
Refinance break-even calculator
Tells you how many months your monthly savings need to cover closing costs before refinancing pays off.
Monthly savings
$353
Break-even
1 yr 5 mo
Lifetime savings
$68,701
Points vs bigger down payment vs invest the cash
Same dollars, three choices. We compute monthly payment, total interest, and a fair break-even horizon assuming you would otherwise invest the cash.
| Choice | Up-front cash | Monthly P&I | Total interest | Net 30-yr value |
|---|---|---|---|---|
| Baseline | $80,000 | $2,023 | $408,142 | — |
Net 30-yr value = (savings on interest vs. baseline) − (opportunity cost of the cash growing at your investment return). The highest number wins.