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2026 Refinance Break-Even Point Calculator
Dumbbell the math on mortgage refinances. See exactly how many months it takes for your new lower interest rate to pay off the heavy closing fees.
As the Fed cuts points in 2026, millions of homeowners locked in at 7%+ will seek to refinance. Make sure the math actually saves you money long-term.
Interactive Calculator
Run Your Own Simulation
Adjust the inputs below. Results update instantly. No signup, no data saved — everything runs in your browser.
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Do NOT Fall For the “Lower Payment” Trap
A lower monthly payment looks fantastic on a budget sheet. But banks use the allure of a $200 cheaper payment to obfuscate terrible transaction data.
How to use this calculator
- Enter the remaining principal balance on your current loan.
- Estimate the painful, flat Closing Costs banks will charge to write the new loan (this includes origination fees, appraisal fees, and title insurance).
- Contrast your agonizing 2023 or 2024 Old Interest Rate against the fresh New Target Rate.
The Break-Even Dictates The Action
If rolling the closing costs into the loan dictates a 40-month break-even, you MUST ask yourself: “Am I going to live in this house for 41 months?” If the answer is No, do not sign the refinance paperwork. The house always wins if you don’t run the math.
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