A refinance calculator compares your current loan payment and lifetime interest with a new rate and term, including break-even months after closing costs.
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<p>Die Umschuldung von Immobiliendarlehen gehört zu den effektivsten Methoden zur langfristigen Reduzierung der Finanzierungskosten. Unser Rechner analysiert Ihre potenziellen Zinseinsparungen unter Berücksichtigung von Nebenkosten.</p>
<h3 class="text-lg font-bold text-white mt-4">Die Amortisation der Nebenkosten</h3>
<p>Bankgebühren, Notar- und Grundbuchkosten fallen bei einer Umschuldung an. Diese Investition zahlt sich aus, sobald die monatliche Zinsersparnis die Anfangskosten übersteigt.</p>
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Wann lohnt sich eine Umschuldung?
Umschuldung lohnt sich, wenn monatliche Ersparnis und Zinssenkung die Abschlusskosten übersteigen, bevor Sie verkaufen oder tilgen. Break-even-Monate = Abschlusskosten ÷ monatliche Ersparnis.
Niedrigerer Zins mit längerer Laufzeit senkt die Rate, kann aber Gesamtzinsen erhöhen. Vergleichen Sie Gesamtzinsen und Break-even, nicht nur die neue Rate.
Brauchen Sie nur gestaffelten Equity-Zugang, modellieren Sie zuerst eine HELOC statt der gesamten Hypothek zu ersetzen.
Leitfaden, Beispiele und Methodik
How to use this refinance calculator
Enter remaining loan balance, current rate and years left, then new rate, new term, and closing costs. Monthly savings = old payment minus new payment. Break-even months ≈ closing costs ÷ monthly savings. Stay in the home past break-even for the refinance to net positive before you sell or pay off early.
Example (USD)
Input
Value
Outcome
Balance
$320,000
—
Current
6.75%, 24 years left
$2,280/mo
New
5.50%, 30 years
$1,817/mo
Closing costs
$4,800
Break-even ≈ 9 months
When refinancing does not pay
You will move before break-even months elapse.
A lower rate with a longer term adds lifetime interest despite a smaller payment.
Cash-out refinance resets amortization on the full balance—you pay interest on equity you already built.
You skip comparing a HELOC if you only need phased equity access.
Next step
If you are weighing equity access instead of replacing the whole mortgage, model a HELOC draw period and repayment cliff on our HELOC payment calculator before you apply.
Rate-and-term vs cash-out refinance
Rate-and-term refinance replaces your existing balance at a new rate and term—ideal when you want lower payments or faster payoff without increasing principal. Cash-out refinance rolls equity into a larger loan and gives you cash at closing; break-even still matters, but you also pay interest on cash you already owned as home equity. Use this calculator for rate-and-term first, then layer cash-out amount only if you truly need lump-sum proceeds.
Lifetime interest vs monthly payment
A lower APR with a fresh 30-year term can cut your monthly bill while adding total interest versus keeping your remaining schedule. Always compare total interest paid under both scenarios, not just the payment delta. Homeowners who are 20 years into a 30-year loan sometimes refinance to 15 years at a modest rate drop and save six figures in interest—run both term options here before you lock.
Timing and rate locks in the US market
Mortgage rates move with Treasury yields and lender margins. Break-even assumes you close at the quoted rate—if rates rise before closing, savings shrink. Typical rate locks run 30–60 days; float-down options cost extra. If you plan to sell within three years, prioritize break-even under 24 months unless the refinance removes PMI or consolidates high-rate second liens.