Compare the loan. Keep the date the same.

Evaluate recasting, discount points, extra payments, dated payment frequency and refinancing with fees, remaining debt and complete schedules.

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5 calculators

Compare a lower recast payment with keeping the old payment after the same principal reduction.

Compare two rate offers with points, lender credits, fees and the debt remaining at your chosen date.

Model recurring, annual and one-off principal reductions with a full allocation ledger.

Compare actual payment dates, annual cash budgets and accrued payoff balances under one daily-interest convention.

Compare three paths from the same current debt, including fees and the amount still owed at one future date.

Each calculator includes a formula, worked example, assumptions and reference. Defaults are illustrative inputs, not recommended targets.

A recast and an extra payment solve different problems — Separate lower required payments from a shorter payoff timeline.
Why loan comparisons need the same ending date — A lower payment can leave a larger liability at the end of your comparison.
Payment payback and economic break-even for mortgage points — Two break-even measures can answer different questions.
Biweekly, semi-monthly and accelerated payments — Separate payment timing from an increased annual payment budget.