About RefiPoint

Why it exists

A lower rate does not always mean savings once closing costs are counted. This tool finds the month when a refinance pays for itself, so you can decide whether you will stay long enough to benefit.

RefiPoint is a free, independent web tool. Is refinancing worth it? Find the break-even month.

We build small, fast tools that run entirely in your browser: no sign-up, no data uploads. The site is funded by advertising and an optional ad-free premium plan.

Accuracy

We work hard to keep formulas and reference data up to date, and every guide shows when it was last updated. Results are estimates; always double-check important decisions with a qualified professional.