Compare your current loan to a new offer in seconds. See net benefit after closing costs, break-even time, total interest, and a clear 0–100 Refinance Score.
No account · No credit check · Works offline
Clear numbers, not guesswork. Built for mortgages, auto loans, and personal debt.
Interest savings minus closing costs — the true financial gain after fees.
See exactly how many months until the lower payment covers your upfront costs.
A 0–100 score that weighs savings, payment change, term, APR, and break-even speed.
Download a polished multi-page report with charts and a full amortization schedule.
All math runs on your device. No servers, no tracking, no credit inquiries.
Stricter break-even expectations for auto loans; more flexibility for mortgages.
Three steps. Under a minute.
Balance, APR, remaining term, and loan type.
New APR, new term, and estimated closing costs.
Score, net benefit, break-even, and optional PDF export.
The Refinance Score combines six factors so you get one clear number instead of a spreadsheet full of trade-offs.
Free Chrome extension. Install in seconds. Decide with confidence.
Add to ChromeOr load the unpacked extension from the project folder while in development.