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New monthly payment

Your numbers

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years
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$/month

New term at a glance

The same refinance at 15, 20, and 30 years, against keeping your current loan. Click a term to load it above.

Loan balance · keep vs. refinance

View current and refinanced loan balances over time. The dashed line marks break-even on closing costs.

Current loan balance Refinanced loan balance

Interest rate vs your refinance

Yearly amortization · keep vs. refinance

Interest each loan costs per year, and where each balance stands. The highlighted year is break-even on closing costs.

YearRemaining interest · currentInterest · newInterest savedBalance · currentBalance · new