Keep or Refinance

Should you refinance? See it in dollars.

Works for a mortgage, auto, or personal loan. Compare what you pay now to a new rate — and find out exactly when refinancing pays for itself.

Loan balance

Your payment now (monthly)

New interest rate

New loan length (years)

Closing / refi costs (optional — to find your break-even)

Not sure it's worth it?

A free HUD-approved housing counselor can walk through your options with you.

Estimates only, for education — not lending or financial advice. Your real rate and terms depend on the lender.