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PAYMENTS & COMPARISON

Loan refinance calculator

Compare remaining interest, monthly payment and a simple fee break-even.

Example values are editable scenarios, not current offers. Enter your actual quoted terms.

Enter your scenario and select Calculate.

How this estimate works

Uses the entered rates and payment timing. Taxes and unentered costs are excluded. Estimates are not offers or eligibility decisions. Closing costs are paid upfront. Break-even divides upfront costs by monthly payment savings, not an investment return. Different terms change total interest. Student refinancing does not model federal protections or forgiveness.

Results use unrounded intermediate amounts; display and CSV round to cents. Actual lender rounding and day counts can differ. Inputs are calculated locally and are not submitted to our server.

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Scenario schedule

Periods are monthly unless this calculator specifies a different payment frequency. A final balloon is included in the final payment. See the model assumptions above.