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A lower rate isn't free — closing costs are the price of admission. Find the month the math flips in your favor.
Assumes you refinance into the same remaining term, so the comparison isolates the rate. Closing costs typically run 2–5% of the loan amount.
You break even in 24 months — well inside your stay window. This refinance is a clear win.
The line starts underwater by your closing costs and climbs by your monthly savings. Where it crosses zero is your break-even point — sell or refinance again before that, and the deal lost you money.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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