6 Free Calculators

Refinance Tools

Every calculator runs in your browser. No sign-up. No data collection. Just honest math.

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Refinance Calculator
Compare your current loan against new terms. See monthly payment, total interest, and lifetime savings.
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Break-Even Calculator
Find out exactly how many months until your refinance savings cover the closing costs.
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Closing Cost Estimator
Do not get surprised at the closing table. Estimate every fee before you apply.
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Cash-Out Calculator
See how much home equity you can access and what it means for your monthly payment.
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Rate Comparison
Fixed rate vs. ARM: see the numbers for every scenario over 5, 10, and 15 years.
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PMI Calculator
See how much PMI is costing you and when you can drop it through refinancing.
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The Hidden Cost of Skipping the Appraisal | Refinance Calc Tool
“Do I really need an appraisal?”
LTV Explained: Why Your Equity Percentage Changes Everything | Refinance Calc Tool
Loan‑to‑value. LTV. Two acronyms that sound like alphabet soup but actually control your financial life as a homeowner.
Mortgage Points: Buy Now or Save Later? | Refinance Calc Tool
“Should I buy points to lower my rate?”
PMI and Refinancing: When You Can Finally Drop It | Refinance Calc Tool
Private mortgage insurance. PMI. The monthly fee that feels like throwing money into a shredder.
Refinance Timeline: How Long It Really Takes in 2026 | Refinance Calc Tool
Day 1: You apply for a refinance. Day 45: You close. Or maybe day 60. Or maybe day 90.
Cash-Out Refinance vs. Home Equity Loan: The Smart Borrower's Guide | Refinance Calc Tool
“Should I do a cash‑out refinance or a home equity loan?”

Latest Articles

Mark's $28,000 Refinance Story
How one homeowner found the right timing in 2026.
How to Calculate Break-Even
Step-by-step guide to finding your refinance break-even.
Closing Costs Decoded
Where every dollar goes in a refinance closing.