Free calculators built by a former loan officer. No credit pull. No sales calls. Real math, plain-English yes-or-no answers.
Break-even month, lifetime interest saved, and a flat yes or no. Starts with your current loan balance.
Open →Shows max cash available, LTV caps by program, and blended cost of the cash you pull out.
Open →HUD seasoning check, UFMIP refund table, Net Tangible Benefit test. Skip the appraisal if you qualify.
Open →The one number that tells you if a refi is worth it. Plug in closing costs and old vs new payment.
Open →Nine scenarios covered: rate-and-term, cash-out, FHA streamline, VA IRRRL, break-even, ARM vs fixed, HELOC vs cash-out, debt consolidation, payoff acceleration.
Current rate, loan balance, new rate offer, closing costs. Takes 60 seconds. No name, no SSN, no credit pull. The math runs in your browser.
Break-even month, lifetime interest saved, and a plain-English verdict. If the numbers look good, you can ask ROBO to connect you with lenders who compete for your loan.
"I watched too many people pay $5,000 to $8,000 to a mortgage broker for math a robot does in 60 seconds. So I built the robot."
Indicative averages, not your rate. Run the calculator for yours. Plug in your numbers →
Find out if your refinance qualifies for a Fannie Mae PIW or Freddie Mac ACE appraisal waiver in 2026. Learn LTV thresholds, property requirements, and when you might actually want an appraisal anyway.
Is your cash-out refinance interest tax deductible in 2026? Learn the TCJA rules, the $750k cap, how fund use determines deductibility, and the TCJA sunset impact.
A former mortgage loan officer explains when FHA refinancing beats conventional and when it costs you more, with a crossover analysis and sample cost tables for three borrower profiles.
A former mortgage loan officer breaks down the real costs of HELOCs, home equity loans, and cash-out refinancing with a worked $50k example and decision matrix.
Your Loan Estimate contains fees that range from legitimate to pure padding. A former loan officer walks through every line of the LE, flags junk fees, and shows you exactly what to negotiate before closing.
Everything you need to know about refinancing a jumbo mortgage in 2026. Loan limits, reserve requirements, rate comparisons, and the jumbo-to-conforming play explained.
Yes. All nine calculators, all guides, all results. No paywall, no trial, no credit card. The math runs in your browser. We make money only if you choose to request a lender quote through ROBO, and only if a lender pays a referral fee. That never changes what the calculator tells you.
No on both. We never pull credit. We never sell your email to lenders, advertisers, or anyone else. If you opt in to rate alerts, you get rate alerts. That is it. You can unsubscribe any time.
After you run the calculator, ROBO can connect you with lenders who will compete for your loan. You decide whether to request quotes. No obligation. No auto-enrollment. The calculator result does not change based on whether you ask for quotes or not.
David Park, a former mortgage loan officer with 12 years in the industry. He built RobotRefi after watching too many clients pay $5,000 to $8,000 in broker fees for calculations that take a computer about 80 milliseconds. The math is not secret. He decided to give it away.
ROBO uses the same standard amortization formula every lender uses: P x i / (1 - (1+i)^-n). Break-even is closing costs divided by monthly savings. Lifetime savings subtracts closing costs. There is no proprietary scoring, no opaque model, no fudging. If you want to check the arithmetic, open browser developer tools and read the source.
Lenders compete to give you their best refi rate. No credit pull. No upfront fees. You pick who to talk to — or no one. The math from our calculators is yours either way.
Up to 5 lenders will reach out within 1 business day with their best refi rate for your scenario. No credit pull required for quotes. Reply STOP anytime to opt out.