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Mortgage Points Calculator
See if paying points makes sense and when you break even.
Parcel Platform
Mar 4, 2026
Mortgage Points Calculator
Loan $250,000 • 7.00% → 6.50%
Upfront Points Cost
$2,500
Monthly Savings
$83
Break-even
31 months
Savings Over Hold
$2,485
Points can make sense if you'll keep the loan long enough. If you might sell or refinance soon, breakeven matters more than the lower payment.
How this calculator works
Mortgage points are an upfront cost to lower your interest rate. This calculator helps you estimate whether paying points is worth it based on your expected hold period.
What it includes
- Payment with/without points
- Breakeven months
- Total savings over a hold period
How to use it
- Enter loan amount, term, and the two rates you’re comparing.
- Enter points as a % of the loan (or use a dollar estimate).
- Set your expected hold period before refinancing or selling.
- Use breakeven months to see if points are likely to pay off.
FAQ
When do points usually make sense?
When you expect to keep the loan long enough to break even. If you might refinance or sell soon, points may not pay off.
Are points tax deductible?
It depends and can be nuanced. Treat points as a cash cost for decision-making and consult a tax professional for specifics.
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