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RUZIBA · IN DEVELOPMENT
HomeBrain
A RUZIBA product in development for organizing home information in one place.
Mortgage refinance calculator
Compare payments and estimate a simple fee break-even.
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RUZIBA · IN DEVELOPMENT
ProofPath
A RUZIBA product in development for keeping important records together.
Common questions
What is a refinance break-even point?
It is the estimated time for monthly payment savings to offset the refinance fees you enter. Compare it with how long you expect to keep the loan.
Does a lower monthly payment always save money?
No. A longer repayment term may reduce the monthly payment while increasing the total amount paid. Compare full loan terms and fees.
Compare a fee with monthly savings
If refinancing costs $3,000 and reduces a monthly payment by $100, simple fee break-even is $3,000 ÷ $100 = 30 months. Compare the new total loan cost and term as well; lower payments alone do not tell the whole story.