FREE Refinance Break-Even Calculator for BRRRR Investors

This calculator helps real estate investors determine if refinancing makes financial sense during the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) process by calculating the break-even point

Refinance Break-Even Calculator for Real Estate Investors

Refinance Break-Even Calculator

What This Calculator Does

This calculator helps real estate investors determine if refinancing makes financial sense during the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) process by calculating the break-even point — the time it takes for the monthly savings from a lower interest rate to offset the costs of refinancing.

A successful refinance should ideally result in either significant monthly savings, cash-out equity for your next investment, or preferably both.

Calculator Inputs

Current Loan Amount ($)

Please enter a valid loan amount

Current Interest Rate (%)

Please enter a valid interest rate (0-20%)

Current Loan Term (years)

Please enter a valid loan term (1-40 years)

Remaining Term on Current Loan (years)

Please enter a valid remaining term (1-40 years)

New Loan Amount ($)

Please enter a valid loan amount

New Interest Rate (%)

Please enter a valid interest rate (0-20%)

New Loan Term (years)

Please enter a valid loan term (1-40 years)

Refinance Closing Costs ($)

Please enter valid closing costs

Cash-Out Amount ($) (0 if none)

Refinance Analysis Results

Current Monthly Payment: $0

New Monthly Payment: $0

Monthly Savings: $0

Total Refinance Costs: $0

Cash-Out Amount: $0

Break-Even Point: 0 months (0 years)