How to calculate your refinance break-even point (and when it misleads)
The refinance break-even formula, a worked example, and why comparing total interest over the years you'll keep the loan matters just as much.
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Q.01What is a good break-even point for a refinance?
One comfortably shorter than the time you expect to keep the loan. Many borrowers look for under 24–36 months, but the right answer depends on your plans.
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