Should you refinance your mortgage? RefiPoint shows your break-even point in seconds. Enter your current loan and a new offer. We calculate: • Break-even months — when closing costs are recovered • Monthly savings on your payment • Lifetime savings vs your current loan • Visual chart showing when refinancing pays off Built for U.S. homeowners. No accounts. Works offline. KEY FEATURES — Standard P&I calculation (matches Bankrate) — Optional PITI with property tax & insurance — Verdict cards: Worth it / Borderline / Not worth — Term extension warning when you'd pay more interest over the life of the loan — Saves your last entry, pick up where you left off — Light & dark mode — No login. No data leaves your phone. DISCLAIMER RefiPoint is a calculator. Results are estimates based on standard amortization formulas and may differ from actual lender quotes due to PMI, points, taxes, insurance, prepayment penalties, and other fees. Always consult a licensed mortgage professional before refinancing.