Refinance Break-Even Calculator

AustraliaScheduled modelClass B · rule-based estimateNo statutory rules required

Current loan balance

AUD

Current rate % p.a.

Remaining term (years)

The refinance offer

New rate % p.a.

New term (years)

Switching costs paid in cash

AUD

Switching costs added to the loan

These accrue interest in the new-loan scenario.

AUD

Cashback

Counted only from its receipt date; review the lender's conditions yourself.

AUD

Enter both loans to compare cumulative cash flows with residual balances included. This comparison never uses repayments alone.