Mortgage Points Calculator

Should you pay discount points to lower your interest rate?

What is this? Each mortgage discount point costs 1% of your loan and typically lowers your rate by 0.25%. This calculator shows whether paying points saves you money — and how long it takes to break even on the upfront cost.

Key insight: If you plan to stay in the home less than the break-even period, skip the points. If you'll be there 10+ years, points usually pay off.

Who it's for: Home buyers deciding between different lender offers with different point structures.
Loan Details
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Decision Analysis
Points Cost
—
upfront cost
Rate With Points
—
new interest rate
Monthly Savings
—
vs. no points
Break-Even Period
—
months to recoup cost
Total Interest Saved
—
over loan life
Verdict
—
—
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Estimates only. Consult a mortgage lender for actual rate quotes with and without points.

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