Should I pay points to lower my interest rate?

Calculate how points might affect your monthly payments and how fast they will pay for themselves.

Jump to a helpful calculator

Input Information
Loan Information
Amount : ($)
Interest Rate : (%)
Interest Rate with Points : (%)
Length : (Yrs)
Additional Information
Points : (%)
Your Savings Rate : (%)
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Financial Analysis
  Without Points With Points
Amount Financed : $250,000.00 $250,000.00
Monthly Principal and Interest : $1,304.12 $1,215.26
Monthly Payment Savings : $88.86
Points Value : $2,500.00
Monthly Investment Savings : $10.42
True Monthly Savings : $78.44
Break Even : 2Years8Months

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