Financing · Excel
Refinance Break-Even Analyzer
Compare keeping a loan with a same-balance refinance, including fees and the remaining balances at exit.
What you enter
- Current balance, rate and remaining term
- New rate and amortization
- Cash-paid fees, penalty and planned hold
What you get
- Monthly payment savings
- Simple payment-savings break-even
- Net economic benefit including debt balances
How to use it
- Submit your email to unlock the workbook or tool. Any PDFs below download directly without an email.
- Save a working copy, review the instructions and replace the example with your records.
- Check the results against your lender’s terms and retain a dated copy for the property.
Excel workbooks contain editable inputs and formulas. Example assumptions are illustrative; they are not current market quotes or financing commitments.