ReFiCal logo - a refinance calculator tool

Enter Your Loan Details

Privacy Notice: ReFiCal does not store your data. All calculations are performed in your browser and are not saved or shared. This tool is for educational purposes only and is not financial advice. Consult a licensed mortgage professional for personalized guidance.

The remaining balance on your current mortgage.

The interest rate on your current mortgage (up to 3 decimal places).

The number of years left on your current mortgage.

Enter the market rate for refinancing (up to 3 decimal places). Current national average: 6.830% as of Apr 17, 2025 (Freddie Mac PMMS).

The estimated closing costs for refinancing your mortgage.

What-If Scenarios

Add alternative market rates, terms, and loan types to compare different refinancing options.

The estimated closing costs for this scenario.