What the tool does, how to run it, and what to expect from the result.
Decide whether buying mortgage discount points pays off: the cost of the points, the monthly saving from the lower rate and the break-even time. The math updates instantly and runs on your device, so it is fast, private, and available offline.
A quick way to understand who this helps, what it solves, and where it connects next.
Shoppers, students, freelancers, and anyone who needs a quick, private calculation.
Fast everyday math without a spreadsheet, app install, or sign-up.
Short answers for the questions people usually have before trying a utility like this.
Yes. It is completely free, with no sign-up, no watermark, and no usage limits.
No. Amounts are currency-neutral and use the same unit across all inputs, so it works in any country.
One point is 1% of the loan amount, so 2 points on $350,000 is $7,000. Each point typically lowers the rate by around 0.25%, but lenders price it differently.
When you keep the loan past the break-even. Dropping from 7% to 6.5% saves $116.32 a month, so $7,000 of points breaks even after 5 years 1 month. Selling or refinancing sooner loses money.
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Enter your numbers and the result updates live in your browser. Nothing is uploaded and no server is used.
Calculations run locally in your browser. Amounts are shown without a currency symbol so they work anywhere.