Mortgage Points Calculator
Calculate break-even period for buying discount points upfront versus taking a higher interest rate. Use it to test different inputs quickly, compare outcomes, and understand the main factors behind the result before moving on to related tools or deeper guidance.
Display currency
Break-even point
62 months
Points cost $3,000.00 upfront, saving $49.05/mo.
- Without points
- $1,896.20
- With points
- $1,847.15
- Net savings over term
- $14,658.89
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