Calculadora de Refinanciamento
- Created by
- Renato Passos, Eng. de Software
- Reviewed by
- Renato Passos, Eng. de Software
Last updated: Apr 18, 2026
Formula
break_even = custo_refinanciamento / economia_mensal
About this calculator
The refinancing calculator helps you decide whether switching a loan or financing to one with better terms is worthwhile. It compares the total cost of refinancing (fees, taxes, insurance) with the monthly savings from the new interest rate or term. The main result is the break-even time, which shows how many months it takes for accumulated savings to exceed the initial costs.
It works simply: enter the refinancing cost and the expected monthly savings. The calculator divides the cost by the savings to get the number of months needed to recover the investment. For example, if the cost is $3,000 and monthly savings are $200, the break-even is 15 months. The shorter this period, the more attractive the refinancing.
Use this calculator when considering refinancing a home, vehicle, or debt. It is useful for comparing offers from different financial institutions. Remember that monthly savings should only consider the reduction in the installment, not tax benefits or other variables. The result is an estimate; consult a specialist for complex decisions.
Important precautions: refinancing costs may include appraisal fees, registration fees, property transfer tax, and insurance. Monthly savings are not always guaranteed, especially if the interest rate is variable. Also, extending the term may reduce the installment but increase total interest paid. Use the calculator as an initial tool and evaluate the full scenario.
Frequently asked questions
What is the break-even in refinancing?
It is the time, in months, needed for the accumulated monthly savings to equal the total cost of refinancing. After that period, you start having net profit.
Which costs should I include in the refinancing amount?
Include all fees charged: credit opening fee, property appraisal, registration, property transfer tax (for real estate), insurance, and any prepayment penalties.
Is the monthly savings always guaranteed?
No, especially if the new rate is variable (like CDI + spread). Savings may change with the market. For fixed rates, savings are predictable.
Is refinancing always worth it?
It depends on the break-even. If you plan to keep the property or vehicle longer than the break-even, it usually pays off. Otherwise, it may not.
Can I use the calculator for any type of debt?
Yes, as long as you have a refinancing cost and monthly savings. It is useful for personal loans, mortgages, and auto loans.