Refinance Calculator
Compare your current home-loan repayment against a refinancing option and estimate break-even timing.
Decision Lens
Focus on monthly savings first, then check how long it takes to recover refinance costs. Positive break-even is key.
Adjust both new rate and new term because lower EMI from a longer term can increase total payout.
Inputs
15 years
15 years
Include legal, processing, and valuation costs.
Estimated Outcome
Current EMI
LKR 90,882
New EMI
LKR 80,664
Monthly Savings
LKR 10,218
Break-Even
11.7 months
Refinance cost divided by monthly savings.
Current Remaining Total
LKR 16,358,814
Refinanced Total
LKR 14,639,542
Refinance Cost
LKR 120,000
Net Savings After Cost
LKR 1,719,272
Important
Refinance estimates are indicative. Final approval, pricing, legal charges, and lender penalties may change the actual savings outcome.