Refinance Calculator
Compare your current loan with a refinance offer: monthly savings, total interest and break-even months from closing costs. Private, offline estimate.
Monthly saving
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Current EMI
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New EMI
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Current total interest
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New total interest
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Break-even (months)
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About the author
Written and maintained by the Tool4SaaS team. Every tool runs locally in your browser and is tested in-house for accuracy. Last updated: .
Frequently asked questions
Closing costs divided by monthly savings; months until refinancing pays off.
No, for informational purposes only. Consult a qualified professional before making finance decisions.
Yes, it is free, works offline in your browser, and your data never leaves your device.
How to use Refinance Calculator
- Enter loans: Enter balance, old and new rates, years left.
- Add costs: Enter closing costs.
- Compare: See savings and break-even.