Calculator
Renewal Savings Calculator
Compare your lender's renewal offer against a better market rate — and see what shopping is worth. Estimate only.
Monthly savings with the better rate
$159.62
Payment at offered rate$2,872.13
Payment at market rate$2,712.51
Savings over 5-yr term$9,577
Shopping your renewal beats signing the offer. This is the negotiating power renewal gives you.
Estimate only — not a rate quote or loan approval. Your actual numbers depend on your full application.
At renewal you can switch lenders with little or no penalty, which gives you real negotiating power. This tool compares the payment on your offered rate against a better market rate over the remaining amortization.
Ready to turn the estimate into a real plan?
Numbers are a great start. Let's build the strategy around them — one call, 90+ lenders, no obligation.