Mortgage Refinance, Analyzed like a
Finance Professional

Mortgage Refinance,
Analyzed like a
Finance Professional

Mortgage Refinance, Analyzed like a
Finance Professional

A deterministic decision tool that evaluates refinancing using amortization schedules, net present value, and transparent assumptions — not rules of thumb.

A deterministic decision tool that evaluates refinancing using amortization schedules, net present value, and transparent assumptions — not rules of thumb.

Make Better Financial Decisions

Refinance With Clarity

Features

What the tool does

Features

What the tool does

Interest cost comparison

See how interest changes contribute to the refinance decision.

Interest cost comparison

See how interest changes contribute to the refinance decision.

Interest cost comparison

See how interest changes contribute to the refinance decision.

Equity Impact

See how paying off principal early or increasing equity impacts the financing decision.

Equity Impact

See how paying off principal early or increasing equity impacts the financing decision.

Equity Impact

See how paying off principal early or increasing equity impacts the financing decision.

NPV Based Logic

Analysis uses Net Present Value (NPV) to take into account the time value of money.

NPV Based Logic

Analysis uses Net Present Value (NPV) to take into account the time value of money.

NPV Based Logic

Analysis uses Net Present Value (NPV) to take into account the time value of money.

Scenario Specific Verdicts

Get a recommendation and analysis based on your specific scenario.

Scenario Specific Verdicts

Get a recommendation and analysis based on your specific scenario.

Scenario Specific Verdicts

Get a recommendation and analysis based on your specific scenario.

Finance Professor's Take

The Finance Professor’s Take is an expert-level interpretation of the results using standard financial economics principles.

Finance Professor's Take

The Finance Professor’s Take is an expert-level interpretation of the results using standard financial economics principles.

Finance Professor's Take

The Finance Professor’s Take is an expert-level interpretation of the results using standard financial economics principles.

How it works

From inputs to insight. Just three simple steps.

How it works

From inputs to insight. Just three simple steps.

01

Enter current mortgage details

01

Enter your current mortgage details

01

Enter current mortgage details

02

Enter refinance terms and time horizon

02

Enter refinance terms and time horizon

03

Review NPV-based verdict and explanation

03

Review NPV-based verdict and explanation

Pricing

Simple, Transparent Pricing

Pricing

Simple, Transparent Pricing

Mortgage Refinance Decision Tool

$29.99

One-time purchase

Personal use Instant access with license key Ongoing access (no subscription)

Buy Access

Mortgage Refinance Decision Tool

$29.99

One-time purchase

Personal use Instant access with license key Ongoing access (no subscription)

Buy Access

FAQ

Common Questions

FAQ

Common Questions

Is this financial advice?

Can I see the tool before purchasing?

How is this different from a typical mortgage calculator?

What is the "Finance Professor's Take"?

What does “discount rate” mean in this analysis?

Why does the recommendation depend on how long I stay in the home?

Does a positive Net Present Value (NPV) guarantee refinancing is the right choice?

Does the "Finance Professor’s Take" guarantee the “right” decision?

Who is this tool designed for?

Do I get ongoing access after purchase?

How is my data handled?