All 9 refinance calculators.
Free. No signup. Each gives you a real number plus a plain-English yes or no.
Showing all 9 calculators
Refinance Calculator
Is the new rate worth the closing costs?
Compares your current loan against a new rate-and-term refi. Break-even month, lifetime interest saved, and a flat yes or no.
Cash-Out Refi
Pull cash without blowing your LTV cap.
Conventional, FHA, and VA program caps baked in. Shows max cash available, blended cost of cash, and flags when LTV blows the limit.
Break-Even Calculator
The one number that actually matters.
Plug in closing costs and old vs new payment. ROBO shows the exact month you turn green and cumulative savings from there.
ARM vs Fixed
When the teaser rate pays. When it bites.
Worst, expected, and best ARM rate trajectories vs a fixed quote across your planned hold period. 5/6, 7/6, 10/6 modeled.
FHA Streamline
Skip the appraisal if you qualify.
HUD 210-day and 6-payment seasoning check, UFMIP refund table, MIP-for-life flag, and the Net Tangible Benefit test in one screen.
VA IRRRL
Veteran rate reduction. Funding fee math included.
0.50% funding fee calculation, exemption toggle, 210-day seasoning check, and the 0.5% rate-drop NTB test.
HELOC vs Cash-Out
Don't blow a 3% mortgage to pull $50k.
Rate-protection logic that respects your existing locked rate. HELOC variable vs cash-out fixed compared across 5, 10, and 20 years.
Debt Consolidation
Cash-flow math plus a brutal risk warning.
Up to 6 debts. Blended APR vs refi rate. ROBO warns you when you are trading unsecured debt for a lien against your house.
Payoff Accelerator
Extra principal, biweekly, lump sum. Real savings.
Months shaved, total interest saved, amortization preview, and an honest look at opportunity cost vs investing the same dollars.
Not sure where to start?
Answer one question and ROBO points you to the right calculator.
If your current rate is below 5%, read carefully
Do not refi. Run extra principal math instead