Real Estate CalculatorsPrivate by design
Mortgage Points Breakeven Calculator
Enter your loan amount, rate, and the points you're considering to calculate the breakeven point in months.
How to use this tool
- 1Enter your loan amount and original interest rate.
- 2Enter the number of points and the rate reduction per point.
- 3Enter your loan term.
- 4See the breakeven point in months.
Frequently asked questions
When are points worth buying?+
Generally when you plan to keep the loan (without selling or refinancing) longer than the breakeven period — otherwise you likely won't recoup the upfront cost.
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