Refinance break-even check
General information only — not personal financial advice.
Refinance playground
Enter your loan — see monthly and lifetime interest upside, then book a review or email your PDF plan.
Your refinance upside
You could save $193/mo by refinancing at this rate — $11,601 over the next five years.
That is $51,042 less interest over your remaining term vs staying put. I will shortlist lenders and lodge term-for-term on your file.
Get my lender shortlistMonthly saving
$193/mo
Term-for-term at your new rate
5-year saving
$11,601
Illustrative — not a quote
Interest saved
$51,042
vs staying on current rate
Your plan
75% complete
Your refinance opportunity score
Excellent refinance opportunity
Based on your rate gap, monthly saving, break-even timing, and lifetime interest upside. Illustration only — not a credit decision.
Your monthly saving
$193/mo
Five-year upside: $11,601. Lifetime interest saved: $51,042.
Market rate band
Indicative new-customer band on your balance: 5.85% – 6.20% ($95 – $225/mo). Not an offer — illustration only.
| Scenario | Monthly | Total interest |
|---|---|---|
| Current loan | $4,118 | $507,036 |
| Refinance at new rate | $3,924 | $455,994 |
Comparison
Hover or tap a bar to highlight — amounts shown on the right and in the callout below.
Interest saved vs current loan: $51,042 (10.1% less)
Cumulative savings (60 months)
If the monthly difference stayed steady, saved cash flow stacks roughly along this slope — before tax, offset use, or price changes.
≈ $12k cumulative over 60 months (illustrative)
Refinance score
Excellent refinance opportunity
Loan basics
Loan term
Illustration only — not a quote or credit assessment. Book a refinance review when you want lender shortlist and lodgement on your file.
$193/mo saved — book a review