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Online Financial Calculators & Amortization

These financial calculators have been updated. Please visit our updated selection at tcalc.timevalue.com. This page will automatically refresh after 5 seconds for your convenience. If you have questions or concerns regarding these calculators, please call us at 800.426.4741. Alternatively, email us at info@timevalue.com.

Calculator disclaimer

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

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TCalc™ Refinancing Calculator

When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and other costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs.

For help with a particular item, click on the "?" next to the item.

Existing Loan
Remaining balance on your current loan: $
Current monthly payment: $ (Principal & Interest)
Current rate: %
New Loan
New rate: %
Points: %
Fees and closing costs: $
New term: months
Other Information
Your income tax rate: ? %
Your investment rate of return: ? %
How long will you keep this property: ? months

Current Loan Refinance Savings
Monthly Payment $ 1,200.00 $ 658.60 $ 541.40
Origination Cost $ 0.00 $ 1,000.00 $ -1,000.00
Loan Term (months) 130 360
Total Loan Cost (PV)* $ 105,346.24 $ 100,860.48 $ 4,485.76

* NOTE: The total loan cost figure is actually the present value of all the payments for each loan, using the investment rate of return as a discount rate.

If you would like to view a payment schedule, including interest, principal, and remaining balances for each payment, please select which schedule you would like to see.

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