About CalcRefi

CalcRefi is a free tool that helps homeowners answer one simple question: does refinancing my mortgage actually make sense?

Refinancing can save you a meaningful amount of money — or quietly cost you money if you move before you recoup the closing costs. The math isn't complicated, but most people never run it. We built CalcRefi so you can get a clear, honest answer in under a minute, without handing over your email or talking to a salesperson first.

What we do

Our calculator takes your current loan details and the terms you're considering, then shows you four things that matter:

• Your new monthly payment
• How much you'd save (or pay extra) each month
• Your break-even point — how long until your savings cover closing costs
• The total interest you'd save or add over the life of the loan

What we're not

We are not a lender, a mortgage broker, or a financial advisor. We don't originate loans and we don't sell your personal information. CalcRefi provides educational estimates only. When you're ready to compare real offers, we may link you to lending partners, and we may earn a commission if you use them — but the calculator itself is free and works the same whether or not you click anything.

How we keep it free

CalcRefi is supported by advertising and by referral commissions from lending partners. This never changes the results you see or the order in which information is presented. Our goal is a tool that's genuinely useful first — that's what keeps people coming back.

Questions?

We'd love to hear from you. Reach us any time on our contact page.