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Mortgage & Home Loans · Mortgage Analysis

Mortgage Points Calculator

See whether buying discount points to lower your rate is worth the upfront cost.

  • Free to use here · embed on the Free plan
  • 5 inputs · 7 results
  • English & Spanish

Try the Mortgage Points Calculator

Weigh discount points against the savings — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Mortgage Points calculator works out

The Mortgage Points Calculator is a free, embeddable calculator from CalcFunnel. See whether buying discount points to lower your rate is worth the upfront cost.

You enter 5 inputs: loan amount, interest rate (%), loan term (years), discount points and rate cut per point (%).

It returns monthly saving, cost of points, payment without points, payment with points, break-even and rate with points, plus 1 more figure.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Monthly Saving
  2. 02Cost of Points
  3. 03Payment Without Points
  4. 04Payment With Points
  5. 05Break-Even
  6. 06Rate With Points
  7. 07Net Savings Over Full Term

The first figure — monthly saving — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Details

Loan Amount
The total amount you are borrowing; the cost of each point is 1% of this figure.
Interest Rate (%)
Your base interest rate before any points are applied.
Loan Term (years)
The number of years over which the loan is repaid; a longer term makes break-even take longer.

Discount Points

Discount Points
Each point costs 1% of the loan amount upfront and reduces your interest rate in exchange.
Rate Cut per Point (%)
How much your interest rate drops for each point you buy; typically 0.25% per point, but varies by lender.

For your website

Embed this calculator on your website

Put the Mortgage Points Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Mortgage Points calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Mortgage Points Calculator calculate?
See whether buying discount points to lower your rate is worth the upfront cost. It returns monthly saving, cost of points, payment without points, payment with points, break-even and rate with points, plus 1 more figure.
Q.02What information do I need to use the Mortgage Points Calculator?
You enter 5 inputs: loan amount, interest rate (%), loan term (years), discount points and rate cut per point (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the Mortgage Points Calculator?
The total amount you are borrowing; the cost of each point is 1% of this figure.
Q.04What does “Interest Rate (%)” mean in the Mortgage Points Calculator?
Your base interest rate before any points are applied.
Q.05Is the Mortgage Points Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Mortgage Points Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Mortgage Points Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Mortgage Points results financial advice?
No. Estimates only. Whether points pay off depends on the exact rate reduction offered and how long you keep the loan. Confirm point pricing with your lender.

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Your website does the math. You get the lead.

The Mortgage Points Calculator is one of 188 calculators you can brand and embed with one line of code.

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