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Mortgage Refinance Calculator

Determine if it makes sense for you to refinance your mortgage. Analyze potential savings in your monthly payment and total interest expense achieved by refinancing. Compare different mortgage types and terms to understand the refinancing option that works best for you

Inputs
 
Outputs
Monthly mortgage payment based on new mortgage terms
 
Total interest expense you will pay over the life of your new mortgage based on the terms of your refinancing
 
 
Depending on your existing mortgage balance, the amount of your new mortgage and the amount of closing costs, you may be able to keep some of the proceeds when you refinance your mortgage. The value of your property and LTV ratio will also determine your ability to take cash out when you refinance. In some cases, you may also be required to contribute money to cover closing costs
 
Savings from Refinancing
The amount of money you save (or additional expense you incur) per month by refinancing
 
The amount of time it will take you to recover the non-recurring closing costs required to refinance your mortgage based on your monthly mortgage payment savings
 
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Current Refinance Mortgage Rates as of January 23, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
While we pride ourselves on the quality and breadth of the FREEandCLEAR mortgage calculators please note that they should be used for informational purposes only. Our calculators rely on assumptions by us and inputs and assumptions provided by you, which may be inaccurate. The outputs from our calculators are estimates only and should not be used as the sole basis for making any financial decisions. Always consult multiple financial professionals when determining the mortgage size and program that is appropriate for you.
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