About RefiCalc365
RefiCalc365 is a free, independent educational website for comparing hypothetical mortgage refinance scenarios in the United States.
What the site provides
Our calculators estimate principal-and-interest payments, remaining interest, refinance break-even, cash-out capacity, discount point recovery, loan-to-value and extra-payment effects.
Each tool explains its inputs and important limitations. We also provide original guides, worked examples, a methodology page and answers to common questions so users can interpret calculations responsibly.
What the site does not provide
We do not provide live rates, lender offers, mortgage underwriting, credit decisions, property appraisals or personalized legal, tax or financial advice. Results are estimates and should be checked against current lender disclosures.
The site is free to use and may be supported by advertising. Advertising does not change the formulas used by the calculators.
Editorial approach
We prioritize transparent assumptions, realistic examples and clear explanations of trade-offs. We distinguish a simple monthly-payment saving from the complete long-term cost of refinancing.
Created by James Gore. The educational information may be updated as methods and user needs evolve; loan offers and regulatory details should always be confirmed independently.