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What is the break-even point?
The break-even point is how many months it takes for your monthly savings to cover the closing costs you paid upfront. If you sell or move before that, refinancing wasn't worth it.
Find your refinance break-even point and total savings over your loan.
Use the Refinance Break-Even Calculator →By Sean Baldwin · Last reviewed July 2026 · Part of the Refinance Break-Even Calculator guide.