Mortgage Points Calculator
AdvancedCompare points cost to payment savings and find break-even months.
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- Instant results
- On your device
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Calculate the upfront cost of discount points, the new monthly payment, monthly savings, and how many months to break even.
How to use this tool
Enter loan amount, term, current rate, points purchased, cost per point, and the new rate after points.
Worked example
Buying 1 point ($3,000) to drop from 6.75% to 6.5% on a $300,000 30-year loan typically saves ~$50/month, breaking even in about 60 months.
How it works
Compares the upfront cost of mortgage points to the monthly payment reduction, and estimates break-even months.
Limitations
Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.
Privacy and file handling
Your data stays on your device and is not uploaded.
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