Calculate your savings from refinancing. Compare your current payment to a new rate and see your break-even point.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Enter: current loan balance, current rate, new rate, closing costs
- See: monthly savings, total interest savings, break-even month
- Florida refinance costs: doc stamp tax, intangible tax (new money only), title, lender fees
- Compare: rate-and-term vs cash-out refinance scenarios
- Interactive calculator coming soon.
- Get a personalized refinance quote