Debt & Credit
Compare old and new loan APR, term, fees, payment and total modeled cost.
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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.
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Formula
The remaining old-loan cost is compared with a new amortising loan at the same principal, adding entered refinance fees.
Adjust one assumption at a time to understand which inputs have the greatest effect. Compare several realistic scenarios rather than relying on a single projection.
Default assumptions are maintained by FinTrex and may not reflect current products or rates available to you. Review every input before using the estimate.
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