Real Estate

Should You Refinance? Calculate the Break-Even Point

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate how many months until refinancing pays for itself. Compare your current vs new mortgage terms.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

The Break-Even Calculation
When to Refinance

Portabilidade no Brasil

A portabilidade permite transferir seu financiamento para outro banco com taxa menor. O banco atual tem 5 dias para cobrir a oferta. Custos: nova avaliação (R$500-3.000), cartório (R$500-2.000), ITBI diferencial (se aplicável). Ponto de equilíbrio: custos ÷ economia mensal = meses para recuperar.

Exemplo

Saldo de R$250.000, de 10% para 8% ao ano, 20 anos restantes: economia de ~R$200/mês. Custos de R$5.000. Ponto de equilíbrio: 25 meses (~2 anos). Se ficar mais de 2 anos: vale a pena.

⚡ CalcWolf Insight

A frequently overlooked refinance strategy: keep making your old (higher) payment after refinancing to a lower rate. The difference goes entirely to principal. A $300K refi from 7% to 6% saves $200/month. Continuing to pay the old amount means $200/month in extra principal — paying off the mortgage 7-8 years early.

Frequently asked questions

Quando vale a pena?▾

Se a diferença de taxa é de pelo menos 1-1,5 ponto e restam mais de 5 anos. Calcule custos ÷ economia mensal = meses para recuperar.

O banco atual pode cobrir?▾

Sim — tem 5 dias para igualar ou melhorar a oferta. Muitos cobrem para não perder o cliente. Use isso como ferramenta de negociação.

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Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →