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Debt & Credit
Compare old and new loan APR, term, fees, payment and total modeled cost.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Refinance Comparison
Modeled refinance total-cost saving
$16,816
Current monthly payment
$1,781
New monthly payment
$1,628
What changes this most?
A lower rate can be offset by fees or a longer term, so test both total cost and monthly cash flow.
Sensitivity check
A roughly 10% move in current apr changes the modeled headline result by up to $7,112 in this setup.
This is a cost comparison, not refinancing advice. Actual quotes and fees can differ.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
The remaining old-loan cost is compared with a new amortising loan at the same principal, adding entered refinance fees.
Both sides use standard fixed-rate amortisation. Early-repayment charges, changing balances before completion, tax effects and variable-rate structures are excluded unless entered as fees.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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