Refinance Break-even Calculator
Calculate if refinancing your auto loan is worth it. See monthly savings, break-even point, and total interest savings with our free calculator.
Break-even Analysis
Savings Calculator
Smart Decisions
Calculate Refinance Break-even
Determine if refinancing makes financial sense
Current Loan Details
Enter your existing auto loan information
Automatically calculated from your loan details
New Loan Terms
Enter the refinance loan terms you're considering
Include application, appraisal, and other fees
Refinance Analysis
See if refinancing makes financial sense
Monthly Payment
Current
$512.91
New
$489.15
+$23.76
Monthly Savings
Break-even Analysis
Refinancing Costs:$500.00
Monthly Savings:$23.76
Break-even in:22 months
Total Savings
Interest Savings:$1,425.38
Gross Savings:$1,425.38
Refinancing Costs:-$500.00
Net Savings:+$925.38
Refinancing Looks Good!
You'll break even in 22 months and save $925.38 total.
Frequently Asked Questions
Everything you need to know about refinance break-even analysis