Terms of Use

By using the Refi Break-Even Calculator and this website, you agree to the terms below. They were last updated in June 2026.

Educational use only

This site provides general information and an estimation tool for educational purposes. It does not provide financial, mortgage, tax, or legal advice, and nothing here should be treated as a recommendation to take or avoid any specific financial action. The author is an independent tools builder, not a licensed mortgage professional or financial advisor.

No guarantee of accuracy

The calculator uses standard amortization math and the figures you supply. Real loan offers include factors the tool does not model, such as points, escrow, mortgage insurance, and lender-specific fees. Results are estimates and may differ from an actual Loan Estimate. Always verify any number with your lender before making a decision.

Limitation of liability

This website is provided "as is" without warranties of any kind. The author is not liable for any loss or damage arising from reliance on the information or calculations provided here. You use the site and its outputs at your own risk.

External links

This site may link to third-party websites for convenience. We are not responsible for the content or practices of those sites.

Contact

Questions about these terms can be directed to gpcgabriel0@gmail.com.