Compare your current mortgage vs a refinance option. Calculate monthly savings, break-even point, and total interest savings. Free refinance calculator with no sign-up needed.
계산기 로딩 중...
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Umschuldungs-Rechner은(는) 트레이더와 투자자가 정보에 입각한 재무 결정을 내리는 데 도움이 되는 전문 도구입니다. 이 계산기를 사용하여 투자 전략을 최적화하세요.
단계:
필요한 값을 입력합니다.
필요한 경우 고급 설정을 검토합니다.
계산 버튼을 누릅니다.
결과와 차트를 검토합니다.
데이터를 내보내거나 저장합니다.
공식
Monthly Payment = P × [r(1+r)^n] / [(1+r)^n - 1]
Where P = loan balance, r = monthly interest rate (annual rate ÷ 12), n = total number of payments
Monthly Savings = Current Payment - New Payment
Break-Even Months = Closing Costs / Monthly Savings
Total Interest Savings = (Current Total Remaining Interest) - (New Total Interest + Closing Costs)
Net Savings = (Monthly Savings × Months You Stay) - Closing Costs
사용 사례
Evaluating whether to refinance your current mortgage
Comparing different refinance offers from multiple lenders
Deciding between a shorter term with higher payments vs. lower total interest
Determining if paying discount points makes financial sense
Planning how long you need to stay in your home to benefit from refinancing
주요 이점
Get accurate refinance comparison results instantly
Save time with automated break-even calculations
Make informed decisions with clear savings data
Free on any device no downloads
전문가 팁
Double-check inputs for accuracy
Run multiple scenarios
Combine with other tools
피해야 할 일반적인 실수
Using inaccurate inputs
Ignoring key factors
Misinterpreting outputs
주요 용어 설명
Input: Values you provide
Output: Results computed
Formula: Method used
Result: Calculated answer
관련 개념
Mortgage Calculator – Calculate your current or potential mortgage payments
Amortization Schedule – See how each payment splits between principal and interest
Break-Even Calculator – Analyze the point where costs equal savings in any scenario
예시
You have a $250,000 mortgage at 6.5% with 25 years remaining. Your current payment is $1,686/month. You find a refinance offer at 5.5% for 30 years with $5,000 in closing costs. Your new payment would be $1,419/month — saving $267/month. Break-even: $5,000 / $267 = 18.7 개월. If you stay 10 years, net savings = ($267 × 120) - $5,000 = $27,040. Total interest savings over the full term: $169,640.
