# Dynamic Refi Calculator — Instant APR and all Refi info > Mortgage refinancing calculator with instant APR, interest savings, and term analysis. (iPhone/iPad app by James Ko.) - Source: https://appshunter.io/ios/app/dynamic-refi-calculator/id1552813024 (this page in markdown: same URL + `.md`) - Developer: [James Ko](https://appshunter.io/developer/1478936258) - Category: Finance, Education - Price: Free - Rating: 4.69/5 from 13 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 12.4 · 9 MB - Languages: English - Released: 2021-02-10 - Data updated: 2026-06-08 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/dynamic-refi-calculator/id1552813024/reviews.md ## What is Dynamic Refi Calculator? Provides instant graphs and reports when you use sliders or steppers to change the values. Your goal is not only to reduce the monthly payment. You also need to know how long the extra years you need to pay, how much you can save on the interest paid, how soon you can recoup the fees, and what is the real interest rate -- APR. Select the best strategy by yourself. Features: 1. Automatically calculate your remaining balance when you know your remaining term years or months. 2. You cannot change the remaining balance amount even though you can cash out and borrow more money. 3. Instant APR calculation. 4. Use steppers (+/-) to increase or decrease the cash-out or total cost amount. 5. Use sliders to change the term years and interest values. 6. Or, you can directly enter your exact values into the text boxes and press the Calculate button. 7. Watch the instant changes on the chart graph and the summary report when you make any changes on the cash-out amount, term years, interest rate and the total refi cost and fees. 8. Send the easy-to-read results to your email for your side-by-side offer comparisons. 9. Do your homework and make decisions best for you before talking to your lenders. ## Key features - Instant APR calculation - Loan term and interest rate analysis - Recoup period calculation - Interactive graphs and reports - Email results for comparison - Adjustable cash-out and fees ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/dynamic-refi-calculator/id1552813024/reviews.md ### 5/5 — Exactly what I needed *2022-01-21* Finally there’s a way to check your refi options without giving a bunch of personal info or being inundated with soliciting email. ### 1/5 — Size *2022-01-05* App doesn’t fit on my screen correctly **Developer response:** This app only works correctly on the latest versions of iOS or iPadOS. However, if you see the content doesn't fit your screen (macOS?) or you have difficulty to scroll, try read it from the email by sending an email results to yourself. Thanks for telling us your using experience. ### 5/5 — It really helps!! *2021-06-08* Perfect timing. This little app helped me save me some money. We refinanced our home recently and this app made the decision clear and easy to understand how big the benefit would be. ### 5/5 — Exactly what we needed! *2021-04-20* In evaluating a refinance decision, this calculator helped us determine it made financial sense to do so. The app is exactly what I would want to write in Excel but in a much handier app format! ### 5/5 — Know When to Refinance *2021-02-23* Every time interest rates fall, people rush to refinance their home loans but how many people actually take the time to figure out if and how refinancing will save them money? The Dynamic Refi Calculator does exactly that. All the important comparisons between the original and replacement loan are clearly shown in the graph and summary. With this app it is really easy to see the differences in the total interest paid and monthly payments along with the time it will take to recoup the replacement loan’s closing costs. Adjustments to the loan details can be made quickly - which is great when comparing loans from multiple lenders - and you can even email the results for later use. ## Frequently asked questions about Dynamic Refi Calculator ### What is the Dynamic Refi Calculator's APR calculation feature? The Dynamic Refi Calculator provides instant APR calculations. This helps users understand the true cost of their refinanced loan, including fees and interest, over its lifetime. ### How does Dynamic Refi Calculator help compare refinancing offers? You can use the app's interactive sliders and steppers to adjust loan values and see instant changes in graphs and summary reports. The results can be emailed for easy side-by-side offer comparisons. ### What financial metrics does Dynamic Refi Calculator analyze? It analyzes monthly payment reduction, how long it takes to pay off the loan, total interest saved, the time to recoup refinancing fees, and the Annual Percentage Rate (APR). ### Can I adjust the cash-out amount or total refi costs in Dynamic Refi Calculator? Yes, you can use steppers to increase or decrease the cash-out amount or total cost. The app will then show instant changes on the chart graph and summary report. ### Does Dynamic Refi Calculator support different loan terms? Yes, you can use sliders to change the term years and interest values. You can also directly enter exact values into text boxes and press the Calculate button. ### What devices is Dynamic Refi Calculator available on? Dynamic Refi Calculator is available on iPhone and iPod devices. It is rated for ages 4 and up. ### How often is Dynamic Refi Calculator updated? The app was last updated on February 18, 2021, with version 1.03. It was initially released on February 10, 2021. ### Does Dynamic Refi Calculator have ads? No, Dynamic Refi Calculator does not contain advertisements. It is a completely free application without any ads. ## Version history (last 2 releases) ### 1.03 — 2021-02-18 1. Add a Reset button on the first page 2. Add one more menu item ### 1.02 — 2021-02-10 No release notes. ## More apps by James Ko - [Dynamic Loan Calculator](https://appshunter.io/ios/app/dynamic-loan-calculator/id1484030098) All apps by James Ko: https://appshunter.io/developer/1478936258 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-08.*