Sharp Logica Tools

Finance Tools

Refinance Break-Even Calculator

This route is tuned for refinance-focused scenarios, including break-even timing and net outcome at planned stay.

Scenario

Formula

Break-even months = Refinance closing costs / (Current monthly payment - New monthly payment)

Example

Example: $6,000 closing costs and $300 monthly savings => 20 months to break even

Monthly savings

$250.00

Break-even time

24 months (2 years)

Net at planned stay

$9,000.00

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