Last updated:
Inputs
- Current payoff, term remaining, APR, cadence, and prepay terms.
- New rate, term, cadence, fees; cash vs finance fees.
Workflow
- Export baseline schedule from the calculator.
- Export new scenario; sum interest + fees + penalty; compare totals.
- Compute months‑to‑break‑even and stress APR ±100 bps.
Related: refinancing, compare loan offers. External: CFPB · FRED · NBAA.