Free Refinance Calculator Widget
Refinancing is a break-even question, not a rate question. This widget puts the current loan next to the proposed one and reports the monthly saving, the lifetime interest on both, and the month the closing costs are finally paid back. A refinance that saves $180 a month and costs $6,000 to close does not start helping until month 34.
Mortgage brokers and personal finance writers embed it because the break-even month is the single figure that settles the decision, and it is the one most rate-comparison tools leave out.
Calculator by Justin K., Founder · last reviewed 2026-08-12
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Recommended: the widget grows and shrinks to fit its content, so there are never inner scrollbars.
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<script src="https://quickloancalculators.com/embed.js" data-qlc="refinance-calculator" async></script>Live preview
This is the exact widget your visitors will see.
Want the full experience? The complete Refinance Calculator on our site adds the methodology behind the math, an FAQ, and where the loan type supports it, a full amortization schedule, which is everything the compact widget leaves out.
Need the install steps? Platform-by-platform instructions for WordPress, Squarespace, Wix, Webflow, Google Sites, and plain HTML are on the widgets hub, along with answers to the general questions about how the embeds work.
Refinance Calculator widget FAQs
Yes. Along with the new monthly payment and the lifetime interest on both loans, it reports the month at which accumulated savings finally cover the closing costs. A refinance saving $180 a month against $6,000 in closing costs does not come out ahead until month 34, and that figure usually decides the question.
Yes. The new loan term is an input, so a visitor can test refinancing a 30-year loan into a 15-year one and see the higher payment against the much lower lifetime interest, which is often a better use of the tool than chasing a small rate reduction.
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