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💵 Savings Tool

Refinance Break-Even Calculator

Find out exactly how many months until your refinancing savings cover the closing costs. Make a data-driven decision on whether to refinance your CRE loan.

2–5%
Typical Refi Costs
12–36mo
Avg Break-Even
0.5%+
Rate Drop Worth It
⏱

Refinance Break-Even Calculator

Compare your current loan vs. a new refinance

🔴 Current Loan
$
%
$
P&I only (exclude tax/insurance)
#
Months left on current loan
🟢 New Refinance Loan
%
#
$
2–5% of loan amount is typical
$
Check your current loan docs
Break-Even Point
—
Monthly Savings
—
per month
New Monthly Payment
—
P&I
Total Refi Cost
—
closing + penalty
5-Year Net Savings
—
after costs recovered

📈 Savings Timeline

Month 0Break-Even60 months

Ready to refinance your commercial property?Get competing refi offers from multiple CRE lenders. No upfront fees.

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When Does Refinancing Make Sense?

The break-even point tells you if refinancing is worth it for your timeline.

The Break-Even Concept

Refinancing costs money upfront (closing costs, appraisal, legal fees, prepayment penalties). The break-even point is when your cumulative monthly savings equal those upfront costs. After break-even, every month is pure savings.

When to Refinance

Refinance when: your break-even is under 24 months, you plan to hold the property well past break-even, rates have dropped 0.75%+ since your original loan, or your property value has increased enough to improve LTV and unlock better terms.

When to Wait

Avoid refinancing when: break-even exceeds your planned hold period, prepayment penalties make costs prohibitive, your current rate is already competitive, or you're within 1–2 years of loan maturity (just let it run out).

Hidden Refi Costs to Consider

Beyond closing costs, factor in: prepayment penalties (yield maintenance, defeasance, or step-down), new appraisal ($3K–$8K), environmental assessment ($2K–$5K), legal fees, title insurance, and any rate lock fees. Our advisors give you a full cost picture before you commit.

Frequently Asked Questions

Common questions about CRE refinancing and break-even analysis.

Refinance Smarter. Save More.

Our advisors analyze your current loan, calculate true savings, and match you with the best refi lenders — no guesswork, no upfront fees.

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CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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Jason Kim
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