RefiCalc: Refinance Calculator

RefiCalc helps you decide whether refinancing your mortgage is worth it by comparing your current loan against a new offer in detail. Enter your remaining balance, current rate, and years left, then add the new rate, new term, closing costs, and any cash-out amount to see the monthly payment change, break-even time, interest difference, and total cost difference all at once. Closing costs can be modeled as paid upfront or rolled into the new loan balance, and results update live as you type. Save offers from multiple lenders as named scenarios for easy access. Presets for rate cuts, shorter terms, cash-out refinances, and high-cost offers let you explore common situations quickly.