Calcolatore Rifinanziamento Mutuo

Confronta mutui vecchi e nuovi, calcola il punto di pareggio e il risparmio sugli interessi

How to Use

  1. Current Loan Balance — Enter your remaining mortgage balance
  2. Current Rate & Term — Enter your current interest rate and remaining years
  3. New Rate & Term — Enter the new loan rate and term you are considering
  4. Closing Cost — Enter estimated closing costs for the refinance
  5. Calculate — Click Calculate to see monthly savings, break-even months, and lifetime savings

FAQ

How is the refinance break-even calculated?

Break-even = closing cost ÷ monthly savings. If you save $200/month and pay $4,000 in closing costs, you break even in 20 months.

Does extending the term save money?

Extending the term lowers monthly payments but increases total interest paid. The calculator shows lifetime savings net of closing costs so you can see the full picture.

What closing costs should I include?

Typical closing costs are 2–5% of the loan and include origination fees, appraisal, title insurance, and prepaid items. Get a Loan Estimate from your lender for exact figures.