About this tool
Cost recovery is closing costs divided by monthly payment savings. It is a cash-flow comparison, not a complete economic break-even calculation. Different terms change remaining balances and lifetime interest; taxes, fees beyond the entered closing costs and prepayment penalties are excluded.
Estimates depend on the assumptions shown below. Keep amounts in the same currency and check the applicable country, tax year and calculation method.
Frequently asked questions
Which assumptions affect the estimate?
Cost recovery is closing costs divided by monthly payment savings. It is a cash-flow comparison, not a complete economic break-even calculation. Different terms change remaining balances and lifetime interest; taxes, fees beyond the entered closing costs and prepayment penalties are excluded.
Are my financial details saved?
Your numbers stay in this browser. Nothing is uploaded or saved after you leave.