Free Refinance Tool

See if refinancing actually saves you money

Compare your current loan against a new refinance offer — monthly savings, break-even timing, closing costs, and planned-stay impact.

Step 1 of 5

Property Context

Address is optional. If you provide it, we can try to prefill value, tax, and property context.

If prefilled, this is just context. You can edit it.
Prefill is optional. You can edit any value before running the analysis.

Your Current Loan

Tell us about the mortgage and housing payment you have today.

Estimated market value of your home today.
Usually includes P&I, property tax, and insurance. HOA is entered separately.

Review Current Payment Breakdown

We estimate the split, then you can adjust the P&I, tax, and insurance numbers.

New Loan Details

What terms are you considering for the refinance?

If you roll these costs in, they increase the new loan balance and still affect the full cost comparison.

Review & Generate

Check your inputs, then generate your full Refinance Analysis report.

Read the Terms of Service

Ready to run
Generate your Refinance Analysis report
Free · no credit card required · delivered instantly

When you run this analysis, Home Decision Lab may process and store your submitted inputs and calculated results to provide the report, support saving/reopening reports, improve our tools, and create aggregated, non-identifying insights. See our Privacy Policy.