Free Mortgage Refinance Calculator - Should You Refinance in 2025?

Our free mortgage refinance calculator for 2025 helps you determine if refinancing your home loan makes financial sense with current interest rates. Simply input your existing loan details and new loan terms to instantly see your potential monthly savings, break-even timeline, and total lifetime savings after closing costs. This comprehensive calculator factors in all refinancing expenses including origination fees, appraisal costs, and points to give you a clear picture of whether refinancing will save you money. With mortgage rates fluctuating in 2025, use this tool to make an informed decision about refinancing and potentially save thousands over the life of your loan.