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Refinancing is marketed as free money, but the math only works when your monthly saving outlives the costs of leaving. This tool compares your current repayment against the new rate, subtracts exit and break fees, and tells you whether the switch pays within the time you plan to stay. If you have been with the same lender for years, you are almost certainly paying a loyalty tax — this tells you how big it is.
break-even refi analysis
Rule of thumb: the monthly saving should recover your break and application costs within 12-18 months, and you should plan to stay past the break-even point.
If you are on a fixed rate, usually yes. Variable loans often have no break fee — but watch for cashback clawback periods, typically 2-4 years.
Only if the ongoing rate is genuinely competitive. A $3,000 cashback can be eaten by a 0.3% higher rate within a few years.
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