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REFINANCE · UNITED STATES

United States Mortgage Refinance Calculator

Model rate-and-term, cash-out, fees and PMI changes.

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Verified for 2026Methodology 2026.1 · reviewed 2026-08-08 · review by 2026-12-01
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Amortization schedule

Updates instantly when you change an input.

MonthPaymentPrincipalInterestRemaining balance
1$1,970$304$1,667$319,696
2$1,970$305$1,665$319,391
3$1,970$307$1,663$319,084
4$1,970$308$1,662$318,776
5$1,970$310$1,660$318,466
6$1,970$312$1,659$318,154
7$1,970$313$1,657$317,841
8$1,970$315$1,655$317,526
9$1,970$317$1,654$317,210
10$1,970$318$1,652$316,892
11$1,970$320$1,650$316,572
12$1,970$321$1,649$316,250
13$1,970$323$1,647$315,927
14$1,970$325$1,645$315,602
15$1,970$327$1,644$315,276
16$1,970$328$1,642$314,947
17$1,970$330$1,640$314,618
18$1,970$332$1,639$314,286
19$1,970$333$1,637$313,952
20$1,970$335$1,635$313,617
21$1,970$337$1,633$313,280
22$1,970$339$1,632$312,942
23$1,970$340$1,630$312,601
24$1,970$342$1,628$312,259
25$1,970$344$1,626$311,915
26$1,970$346$1,625$311,570
27$1,970$348$1,623$311,222
28$1,970$349$1,621$310,873
29$1,970$351$1,619$310,522
30$1,970$353$1,617$310,169
31$1,970$355$1,615$309,814
32$1,970$357$1,614$309,457
33$1,970$359$1,612$309,099
34$1,970$360$1,610$308,738
35$1,970$362$1,608$308,376
36$1,970$364$1,606$308,012
37$1,970$366$1,604$307,646
38$1,970$368$1,602$307,278
39$1,970$370$1,600$306,908
40$1,970$372$1,598$306,536
41$1,970$374$1,597$306,162
42$1,970$376$1,595$305,786
43$1,970$378$1,593$305,409
44$1,970$380$1,591$305,029
45$1,970$382$1,589$304,648
46$1,970$384$1,587$304,264
47$1,970$386$1,585$303,878
48$1,970$388$1,583$303,491
49$1,970$390$1,581$303,101
50$1,970$392$1,579$302,710
51$1,970$394$1,577$302,316
52$1,970$396$1,575$301,920
53$1,970$398$1,573$301,522
54$1,970$400$1,570$301,122
55$1,970$402$1,568$300,721
56$1,970$404$1,566$300,316
57$1,970$406$1,564$299,910
58$1,970$408$1,562$299,502
59$1,970$410$1,560$299,092
60$1,970$413$1,558$298,679
61$1,970$415$1,556$298,264
62$1,970$417$1,553$297,848
63$1,970$419$1,551$297,429
64$1,970$421$1,549$297,007
65$1,970$423$1,547$296,584
66$1,970$426$1,545$296,159
67$1,970$428$1,542$295,731
68$1,970$430$1,540$295,301
69$1,970$432$1,538$294,868
70$1,970$435$1,536$294,434
71$1,970$437$1,534$293,997
72$1,970$439$1,531$293,558
73$1,970$441$1,529$293,117
74$1,970$444$1,527$292,673
75$1,970$446$1,524$292,227
76$1,970$448$1,522$291,779
77$1,970$451$1,520$291,328
78$1,970$453$1,517$290,875
79$1,970$455$1,515$290,420
80$1,970$458$1,513$289,962
81$1,970$460$1,510$289,502
82$1,970$462$1,508$289,040
83$1,970$465$1,505$288,575
84$1,970$467$1,503$288,107
85$1,970$470$1,501$287,638
86$1,970$472$1,498$287,166
87$1,970$475$1,496$286,691
88$1,970$477$1,493$286,214
89$1,970$480$1,491$285,734
90$1,970$482$1,488$285,252
91$1,970$485$1,486$284,768
92$1,970$487$1,483$284,280
93$1,970$490$1,481$283,791
94$1,970$492$1,478$283,299
95$1,970$495$1,476$282,804
96$1,970$497$1,473$282,306
97$1,970$500$1,470$281,806
98$1,970$503$1,468$281,304
99$1,970$505$1,465$280,799
100$1,970$508$1,462$280,291
101$1,970$510$1,460$279,780
102$1,970$513$1,457$279,267
103$1,970$516$1,455$278,752
104$1,970$518$1,452$278,233
105$1,970$521$1,449$277,712
106$1,970$524$1,446$277,188
107$1,970$527$1,444$276,661
108$1,970$529$1,441$276,132
109$1,970$532$1,438$275,600
110$1,970$535$1,435$275,065
111$1,970$538$1,433$274,527
112$1,970$540$1,430$273,987
113$1,970$543$1,427$273,444
114$1,970$546$1,424$272,898
115$1,970$549$1,421$272,349
116$1,970$552$1,418$271,797
117$1,970$555$1,416$271,242
118$1,970$558$1,413$270,685
119$1,970$560$1,410$270,124
120$1,970$563$1,407$269,561
121$1,970$566$1,404$268,994
122$1,970$569$1,401$268,425
123$1,970$572$1,398$267,853
124$1,970$575$1,395$267,278
125$1,970$578$1,392$266,699
126$1,970$581$1,389$266,118
127$1,970$584$1,386$265,534
128$1,970$587$1,383$264,947
129$1,970$590$1,380$264,356
130$1,970$593$1,377$263,763
131$1,970$597$1,374$263,166
132$1,970$600$1,371$262,567
133$1,970$603$1,368$261,964
134$1,970$606$1,364$261,358
135$1,970$609$1,361$260,749
136$1,970$612$1,358$260,137
137$1,970$615$1,355$259,521
138$1,970$619$1,352$258,903
139$1,970$622$1,348$258,281
140$1,970$625$1,345$257,656
141$1,970$628$1,342$257,027
142$1,970$632$1,339$256,396
143$1,970$635$1,335$255,761
144$1,970$638$1,332$255,123
145$1,970$642$1,329$254,481
146$1,970$645$1,325$253,836
147$1,970$648$1,322$253,188
148$1,970$652$1,319$252,536
149$1,970$655$1,315$251,881
150$1,970$658$1,312$251,223
151$1,970$662$1,308$250,561
152$1,970$665$1,305$249,896
153$1,970$669$1,302$249,227
154$1,970$672$1,298$248,555
155$1,970$676$1,295$247,879
156$1,970$679$1,291$247,200
157$1,970$683$1,287$246,517
158$1,970$686$1,284$245,831
159$1,970$690$1,280$245,141
160$1,970$694$1,277$244,447
161$1,970$697$1,273$243,750
162$1,970$701$1,270$243,049
163$1,970$704$1,266$242,345
164$1,970$708$1,262$241,637
165$1,970$712$1,259$240,925
166$1,970$715$1,255$240,210
167$1,970$719$1,251$239,490
168$1,970$723$1,247$238,767
169$1,970$727$1,244$238,041
170$1,970$730$1,240$237,310
171$1,970$734$1,236$236,576
172$1,970$738$1,232$235,838
173$1,970$742$1,228$235,096
174$1,970$746$1,224$234,350
175$1,970$750$1,221$233,600
176$1,970$754$1,217$232,847
177$1,970$758$1,213$232,089
178$1,970$761$1,209$231,328
179$1,970$765$1,205$230,562
180$1,970$769$1,201$229,793
181$1,970$773$1,197$229,019
182$1,970$777$1,193$228,242
183$1,970$782$1,189$227,460
184$1,970$786$1,185$226,675
185$1,970$790$1,181$225,885
186$1,970$794$1,176$225,091
187$1,970$798$1,172$224,293
188$1,970$802$1,168$223,491
189$1,970$806$1,164$222,685
190$1,970$810$1,160$221,874
191$1,970$815$1,156$221,060
192$1,970$819$1,151$220,241
193$1,970$823$1,147$219,417
194$1,970$827$1,143$218,590
195$1,970$832$1,138$217,758
196$1,970$836$1,134$216,922
197$1,970$840$1,130$216,082
198$1,970$845$1,125$215,237
199$1,970$849$1,121$214,387
200$1,970$854$1,117$213,534
201$1,970$858$1,112$212,676
202$1,970$863$1,108$211,813
203$1,970$867$1,103$210,946
204$1,970$872$1,099$210,074
205$1,970$876$1,094$209,198
206$1,970$881$1,090$208,317
207$1,970$885$1,085$207,432
208$1,970$890$1,080$206,542
209$1,970$895$1,076$205,648
210$1,970$899$1,071$204,748
211$1,970$904$1,066$203,844
212$1,970$909$1,062$202,936
213$1,970$913$1,057$202,022
214$1,970$918$1,052$201,104
215$1,970$923$1,047$200,182
216$1,970$928$1,043$199,254
217$1,970$933$1,038$198,321
218$1,970$937$1,033$197,384
219$1,970$942$1,028$196,442
220$1,970$947$1,023$195,495
221$1,970$952$1,018$194,542
222$1,970$957$1,013$193,585
223$1,970$962$1,008$192,623
224$1,970$967$1,003$191,656
225$1,970$972$998$190,684
226$1,970$977$993$189,707
227$1,970$982$988$188,725
228$1,970$987$983$187,737
229$1,970$992$978$186,745
230$1,970$998$973$185,747
231$1,970$1,003$967$184,744
232$1,970$1,008$962$183,736
233$1,970$1,013$957$182,723
234$1,970$1,019$952$181,704
235$1,970$1,024$946$180,680
236$1,970$1,029$941$179,651
237$1,970$1,035$936$178,617
238$1,970$1,040$930$177,577
239$1,970$1,045$925$176,531
240$1,970$1,051$919$175,480
241$1,970$1,056$914$174,424
242$1,970$1,062$908$173,362
243$1,970$1,067$903$172,295
244$1,970$1,073$897$171,222
245$1,970$1,079$892$170,143
246$1,970$1,084$886$169,059
247$1,970$1,090$881$167,969
248$1,970$1,095$875$166,874
249$1,970$1,101$869$165,773
250$1,970$1,107$863$164,666
251$1,970$1,113$858$163,553
252$1,970$1,118$852$162,435
253$1,970$1,124$846$161,311
254$1,970$1,130$840$160,180
255$1,970$1,136$834$159,044
256$1,970$1,142$828$157,902
257$1,970$1,148$822$156,755
258$1,970$1,154$816$155,601
259$1,970$1,160$810$154,441
260$1,970$1,166$804$153,275
261$1,970$1,172$798$152,103
262$1,970$1,178$792$150,925
263$1,970$1,184$786$149,741
264$1,970$1,190$780$148,550
265$1,970$1,197$774$147,354
266$1,970$1,203$767$146,151
267$1,970$1,209$761$144,942
268$1,970$1,215$755$143,726
269$1,970$1,222$749$142,505
270$1,970$1,228$742$141,276
271$1,970$1,234$736$140,042
272$1,970$1,241$729$138,801
273$1,970$1,247$723$137,554
274$1,970$1,254$716$136,300
275$1,970$1,260$710$135,039
276$1,970$1,267$703$133,773
277$1,970$1,274$697$132,499
278$1,970$1,280$690$131,219
279$1,970$1,287$683$129,932
280$1,970$1,294$677$128,638
281$1,970$1,300$670$127,338
282$1,970$1,307$663$126,031
283$1,970$1,314$656$124,717
284$1,970$1,321$650$123,396
285$1,970$1,328$643$122,069
286$1,970$1,335$636$120,734
287$1,970$1,341$629$119,393
288$1,970$1,348$622$118,044
289$1,970$1,355$615$116,689
290$1,970$1,363$608$115,326
291$1,970$1,370$601$113,957
292$1,970$1,377$594$112,580
293$1,970$1,384$586$111,196
294$1,970$1,391$579$109,805
295$1,970$1,398$572$108,406
296$1,970$1,406$565$107,001
297$1,970$1,413$557$105,588
298$1,970$1,420$550$104,167
299$1,970$1,428$543$102,740
300$1,970$1,435$535$101,304
301$1,970$1,443$528$99,862
302$1,970$1,450$520$98,412
303$1,970$1,458$513$96,954
304$1,970$1,465$505$95,488
305$1,970$1,473$497$94,015
306$1,970$1,481$490$92,535
307$1,970$1,488$482$91,047
308$1,970$1,496$474$89,550
309$1,970$1,504$466$88,047
310$1,970$1,512$459$86,535
311$1,970$1,520$451$85,015
312$1,970$1,528$443$83,488
313$1,970$1,535$435$81,952
314$1,970$1,543$427$80,409
315$1,970$1,551$419$78,857
316$1,970$1,560$411$77,298
317$1,970$1,568$403$75,730
318$1,970$1,576$394$74,154
319$1,970$1,584$386$72,570
320$1,970$1,592$378$70,978
321$1,970$1,601$370$69,377
322$1,970$1,609$361$67,768
323$1,970$1,617$353$66,151
324$1,970$1,626$345$64,525
325$1,970$1,634$336$62,891
326$1,970$1,643$328$61,248
327$1,970$1,651$319$59,597
328$1,970$1,660$310$57,937
329$1,970$1,669$302$56,268
330$1,970$1,677$293$54,591
331$1,970$1,686$284$52,905
332$1,970$1,695$276$51,210
333$1,970$1,704$267$49,507
334$1,970$1,712$258$47,794
335$1,970$1,721$249$46,073
336$1,970$1,730$240$44,343
337$1,970$1,739$231$42,603
338$1,970$1,748$222$40,855
339$1,970$1,758$213$39,097
340$1,970$1,767$204$37,331
341$1,970$1,776$194$35,555
342$1,970$1,785$185$33,770
343$1,970$1,794$176$31,975
344$1,970$1,804$167$30,172
345$1,970$1,813$157$28,359
346$1,970$1,823$148$26,536
347$1,970$1,832$138$24,704
348$1,970$1,842$129$22,862
349$1,970$1,851$119$21,011
350$1,970$1,861$109$19,150
351$1,970$1,871$100$17,280
352$1,970$1,880$90$15,399
353$1,970$1,890$80$13,509
354$1,970$1,900$70$11,609
355$1,970$1,910$60$9,699
356$1,970$1,920$51$7,780
357$1,970$1,930$41$5,850
358$1,970$1,940$30$3,910
359$1,970$1,950$20$1,960
360$1,970$1,960$10$0

Compare scenarios

Change years remaining on current loan to see how the result responds.

How to use this calculator

  1. 1Enter your current current balance, current rate, years remaining on current loan, current monthly pmi, new note rate, new loan term, additional cash-out amount, discount points, origination fee, other closing costs, closing-cost treatment, new monthly pmi.
  2. 2Review the headline estimated monthly saving and the supporting figures beside it.
  3. 3Change one input at a time to compare a cautious and an optimistic scenario.
  4. 4Use the result for planning, then verify the applicable lender, tax, benefit, school, or medical guidance before acting.

Explore this calculator

What your result means →The headline estimated monthly saving is based on the values currently entered above.Key terms explained →Review the assumptions, applicable rules, timing and real-world costs before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces $428 / mo.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world costs before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world costs before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

Compare the numbers that matter

01

Old payment + PMI

$2,399

02 · KEY VIEW

New payment + PMI

$1,970

03

Monthly saving

$428

04

Break-even month

16 months

Plain-English guidance

Everything needed to review the estimate before making a decision.

Break-even point

Learn what this number means and how it is calculated.

Read guide →

Points and fees

See the assumptions that have the greatest effect.

Read guide →

Cash-out refinance

Compare a realistic low, middle and high scenario.

Read guide →

PMI removal

Know what to verify before you take the next step.

Read guide →

Method, assumptions and worked result

This planning experience updates the result from the values above. The current scenario produces $428 / mo. It is designed to make the relationship between inputs visible—not to replace an official quote, benefit statement, tax return, clinical assessment, or lender decision.

What to verify

Financed costs and cash-out increase the new balance. Resetting the term may reduce payment while increasing lifetime interest.

The formula, edge cases, official sources, and review date remain part of the publication checklist for this US-localized calculator.

Frequently asked questions

What does the estimated monthly saving show?+

It is a planning estimate based on the values currently entered. Supporting cards help show the components or trade-offs behind it.

Can I change the assumptions?+

Yes. Edit any input, then compare the revised result with the starting scenario.

Is this an official quote or determination?+

No. Confirm current requirements and your individual circumstances with the relevant official source or qualified professional.

Can I save this scenario?+

Yes. Use Save at the top of the page to keep the current inputs in this browser, or share and print the page.

Official references

Rules and thresholds used by this calculator are labelled for 2026 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.

Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.

Official-source readyDesigned for IRS, SSA, CFPB, CDC and other primary references.

Privacy firstInputs remain on your device unless you choose to share.

Mockup statusVisual and interaction concept—formula validation still required.

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