Refinance Calculator
Free Refinance Calculator — calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.
Monthly Savings
$389
Lower monthly payment
New Monthly Payment
$1,590
Current Monthly Payment
$1,979
Break-Even Point
1 yr 1 mo
Lifetime Savings
$16,363
How to Use the Refinance Calculator
- 1. Enter your values — fill in the input fields with your numbers.
- 2. Adjust settings — use the sliders and selectors to customize your calculation.
- 3. View results instantly — calculations update in real-time as you change inputs.
- 4. Compare scenarios — adjust values to see how changes affect your results.
- 5. Share or print — copy the link, share results, or print for your records.
What Is the Refinance Calculator?
The Refinance Calculator is a free online calculator that helps you perform refinance calculations quickly and accurately. Whether you’re a professional, student, or simply need a quick answer, this tool delivers instant results without any signup or software installation.
How It Works
Enter your values into the input fields and the Refinance Calculator calculates results in real time. As you adjust any input, the results update instantly — no need to click a “calculate” button. The tool uses industry-standard formulas to ensure accurate, reliable results.
Why Use This Calculator?
- Instant results — see calculations update as you type
- 100% free — no subscription, no hidden fees, no account needed
- Private — all calculations run in your browser, nothing is stored on our servers
- Shareable — copy the URL to save or share your exact calculation
- Mobile-friendly — works on any device with a modern browser
- Print-ready — print your results for your records
Common Use Cases
The Refinance Calculator is useful for a variety of scenarios:
- Personal finance — make informed decisions about your money
- Professional work — get quick answers for client consultations
- Education — learn about refinance concepts hands-on
- Comparison shopping — evaluate different options side by side
Tips for Best Results
- Start with realistic values that match your actual situation
- Try different scenarios to understand how changes affect the outcome
- Use the share feature to save your calculations for later
- Bookmark this page for quick access anytime you need it
Explore More Mortgage Tools
Mortgage Payment Calculator: Try our free mortgage payment calculator for instant results.
15 Year Mortgage Calculator: Try our free 15 year mortgage calculator for instant results.
40 Year Mortgage Calculator: Try our free 40 year mortgage calculator for instant results.
50 Year Mortgage Calculator: Try our free 50 year mortgage calculator for instant results.
Interest Only Mortgage Calculator: Try our free interest only mortgage calculator for instant results.
Mortgage Payoff Calculator: Try our free mortgage payoff calculator for instant results.
Related Mortgage Calculators
15-Year Mortgage Calculator
Calculate your 15-year mortgage payment and see how much you save in interest compared to a 30-year loan. Enter your loan amount and interest rate to get instant results with our free 15-year mortgage calculator.
Mortgage40-Year Mortgage Calculator
Calculate your 40-year mortgage payment and compare it to standard 30-year loans. See how extending your loan term lowers monthly payments with our free 40-year mortgage calculator.
Mortgage50-Year Mortgage Calculator
Calculate your 50-year mortgage payment and see total interest costs compared to 30-year and 40-year loans. Explore ultra-long-term mortgage options with our free 50-year mortgage calculator.
MortgageAmortization Calculator
Free Amortization Calculator — calculate instantly with our online tool. No signup required. Accurate mortgage calculations with real-time results.