Best 9 Refinance Calculators in 2026: Compare Rates and Costs

Introduction

Refinance Mortgage Calculator compares your current mortgage with a new offer, including estimated payments, savings, and break-even time. This roundup covers nine Android apps, from refinance calculators with cash-out estimates to broader loan-planning tools. Treat the results as estimates. Their accuracy depends on the numbers you enter and the costs each app includes.

Quick comparison

All nine picks are Android apps. The feature descriptions are based on the available app information. Prices are marked unknown because no pricing details were provided.

1. Refinance Mortgage Calculator

Best for: Seeing whether a new offer’s estimated savings justify its closing costs.

Refinance Mortgage Calculator compares your current mortgage with a proposed loan. It estimates the new payment, monthly and lifetime savings, and how long it may take for those savings to cover closing costs. Seeing payment changes and cost recovery together makes it easier to assess an offer without running separate calculations.

2. Mortgage & Loan Calculator

Best for: Comparing refinance break-even time alongside payment and affordability figures.

For refinance estimates with a little more mortgage context, Mortgage & Loan Calculator pairs a break-even calculator with payment and affordability tools. Its refinance calculation estimates the number of months to break even and the lifetime savings. The additional figures can help you look beyond the refinance result and decide whether the new payment fits your budget.

3. Amortize: Mortgage Calculator

Best for: Exploring a refinance that may include cash-out.

Amortize: Mortgage Calculator estimates a new refinance payment and lets you include an optional cash-out scenario. That may be useful if you’re considering borrowing against your home equity as part of changing loans. Amortization schedules and other loan calculators add context for seeing how payments are allocated over time. The listed details don’t specify whether the app calculates break-even time.

4. Mortgage Compass

Best for: Checking how a possible rate or term change could affect a mortgage.

Mortgage Compass compares your current mortgage with potential new rates and terms. Its refinance planning estimates savings and a break-even point, so you can consider both the loan change and how long it might take to recover costs. It’s a focused way to test how different terms could affect the overall picture.

5. Loan Calculator: Mortgage, Auto

Best for: Comparing refinance options with other loan scenarios in one app.

Along with loan comparisons, amortization schedules, and early-payoff planning, Loan Calculator: Mortgage, Auto has a refinance calculator for estimating potential savings. It may suit people who want to compare mortgage changes while keeping other borrowing calculations close at hand. The available details don’t say whether it estimates closing costs or break-even time, so check its results against a lender’s figures.

6. Mortgage Calculator

Best for: Users who want refinance estimates alongside HELOC calculations.

Mortgage Calculator is a U.S.-focused financial toolkit with mortgage and refinance calculations, as well as a HELOC calculator. Its amortization schedules can help you see how mortgage payments change over time. The listed details don’t say whether the refinance tool estimates savings or closing-cost break-even, so treat it as one part of a broader set of home-loan calculations.

7. Loan and Mortgage Calculator

Best for: Checking refinance scenarios alongside other loan payment estimates.

Loan and Mortgage Calculator calculates payments for mortgages and other loans, including refinance scenarios. It’s a straightforward option for looking at a possible mortgage change alongside other borrowing estimates. The available feature information doesn’t confirm a break-even or closing-cost calculation, so check whether those details are included before relying on a refinance result.

8. Beelinger Mortgage Calculator

Best for: Combining basic refinance planning with affordability and mortgage-cost estimates.

Beelinger Mortgage Calculator offers mortgage-focused refinance and affordability tools. Its listed features also help estimate mortgage costs, adding context when you’re considering a loan change. The available information doesn’t detail specific savings, break-even, or closing-cost calculations, so check what the app includes before relying on a result.

9. Iota Home: Mortgage Calculator

Best for: Comparing refinance scenarios while factoring in closing costs.

Iota Home: Mortgage Calculator compares your current mortgage with a new rate or term and accounts for closing costs. Its scenario-comparison feature can help you weigh more than one possible loan change instead of judging a single offer on its own. Check the assumptions behind each estimate, especially if the lender’s fee breakdown differs from the figures you entered.

How we picked these apps

This roundup focuses on apps with clearly described refinance features, such as comparing a current loan with a new offer, estimating savings, or calculating break-even time. Those details make it easier to judge how an app could help with a refinance than descriptions that mention only general loan or payment calculations.

Supporting features are useful when they help explain a scenario. Amortization schedules, affordability estimates, cash-out options, and HELOC calculations can add context, but they don’t replace a clear comparison of loan costs.

All nine picks are Android apps because the options provided are Android-only. The listed features may not cover every fee or loan condition, and calculations depend on accurate inputs. Check the assumptions and estimates with a lender before making a decision.

Frequently asked questions

What figures does a refinance calculator need?

It may ask for your current loan balance, the proposed interest rate and loan term, and closing costs. Some calculators also let you include cash-out or other scenario details, so check what each app supports.

How does break-even time work?

Break-even time compares closing costs with estimated monthly savings to show roughly how many months it might take those savings to cover the costs. The result depends on the costs and savings you enter.

Does a lower payment mean I’ll pay less overall?

Not necessarily. Monthly savings and lifetime savings aren’t the same. Extending the loan term may lower your payment but give you more time to pay interest. Before comparing offers, check whether estimates include taxes, insurance, fees, and any cash-out amount.

The verdict

Refinance Mortgage Calculator compares a current mortgage with a new offer and shows payment, monthly and lifetime savings, and closing-cost break-even. Mortgage & Loan Calculator combines break-even estimates with affordability tools, while Iota Home compares scenarios that account for closing costs. Check any estimate with a lender before acting.