IRRRL Savings Calculator

Enter your current loan details and a potential new rate to see estimated monthly savings and time to break even.

Refinance Savings Calculator

Estimate your potential monthly savings with an IRRRL or Cash-Out refinance.

Current Loan Balance ($)

Current Interest Rate (%)

New Interest Rate (%)

Months Remaining on Current Loan

Estimated Closing Costs ($)

Quick estimate: ~0.6% of balance → $1800

Mortgage Co-Pilot

Questions? Chat with Earl.