{"uid":"cap_VWEzx7GlC5YDXd8G5qhAx","slug":"saylor-innovations-refinance-comparison-calculator-42dd1a26","name":"Saylor Innovations Refinance Comparison Calculator","description":"Refinance comparison: new payment, months to recoup closing costs, remaining interest on each loan and lifetime savings, with optional costs rolled into the loan.","url":"https://saylorinnovations.com/api/finance/refinance?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","required":["balance","current_rate_percent","remaining_years","new_rate_percent","new_term_years"],"properties":{"balance":{"type":"string","description":"current loan balance"},"closing_costs":{"type":"string","description":"optional closing costs"},"new_term_years":{"type":"string","description":"new loan term in years"},"remaining_years":{"type":"string","description":"years left on the current loan"},"new_rate_percent":{"type":"string","description":"new interest rate"},"current_rate_percent":{"type":"string","description":"current interest rate"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["new_payment","breakeven_months"],"properties":{"note":{"type":"string","description":"Plain-language caveat about how to read and use the result"},"source":{"type":"string","description":"Where the data or formula comes from"},"worth_it":{"type":"boolean","description":"True when the break-even exists and lifetime cost falls"},"new_payment":{"type":"number","description":"Monthly payment on the new loan"},"closing_costs":{"type":"number","description":"Closing costs used"},"monthly_change":{"type":"number","description":"New payment minus current payment (negative is a saving)"},"breakeven_years":{"type":["number","null"],"description":"Break-even in years"},"current_payment":{"type":"number","description":"Monthly payment on the existing loan"},"new_loan_amount":{"type":"number","description":"New principal, including rolled-in costs if chosen"},"breakeven_months":{"type":["number","null"],"description":"Months of savings needed to recoup upfront costs, null if no saving"},"lifetime_savings":{"type":"number","description":"Current total cost minus new total cost"},"total_cost_current":{"type":"number","description":"All remaining payments on the current loan"},"total_interest_new":{"type":"number","description":"Total interest on the new loan"},"term_extended_months":{"type":"number","description":"Change in the number of payments"},"costs_rolled_into_loan":{"type":"boolean","description":"Whether the costs were financed"},"remaining_interest_current":{"type":"number","description":"Interest left to pay on the current loan"},"total_cost_new_including_closing":{"type":"number","description":"All new payments plus upfront closing costs"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_MA_64mKGFGpaXmpZhDuYM","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates refinance comparison metrics including new monthly payment, break-even months to recoup closing costs, remaining interest on each loan, and lifetime savings — with optional closing costs rolled into the new loan.","exampleAgentPrompt":"I have a $320,000 mortgage at 6.75% with 24 years left. A lender is offering me 5.9% on a new 30-year loan with $4,500 in closing costs — can you run the refinance numbers and tell me if it's worth it and how long to break even?","exampleUseCases":[{"title":"Homeowner evaluating rate drop offer","prompt":"My current mortgage balance is $275,000 at 7.1% with 22 years remaining. I got a refi offer at 5.85% for 30 years with $6,000 in closing costs — what's my new monthly payment, how many months to break even, and do I save money overall?"},{"title":"Rolling closing costs into new loan","prompt":"I want to refinance my $400,000 mortgage — currently at 6.5% with 27 years left — into a new 30-year loan at 5.75%. I'd like to roll the $5,200 closing costs into the loan instead of paying upfront. What does my new payment look like and when do I break even?"},{"title":"Short-term stay break-even check","prompt":"I owe $180,000 at 6.9% with 18 years left and I'm considering a 15-year refi at 5.5% with $3,000 in closing costs. How many months until I recoup those costs, and is this refinance actually worth it lifetime?"}],"resultDescription":"Returns a JSON object with the computed new monthly payment, current monthly payment, monthly change, break-even in months and years (null if not applicable), remaining interest on the current and new loan, lifetime savings, new loan amount (including any rolled-in closing costs), a boolean 'worth_it' flag, and a plain-language note explaining how to interpret results.","failureModes":["Missing required query parameters (balance, current_rate_percent, remaining_years, new_rate_percent, new_term_years) returns an error","Non-numeric or improperly formatted string values for numeric fields may cause computation errors","Negative or zero balance/rate values may produce nonsensical results","Break-even may be null if no upfront closing costs are provided or savings never recoup costs","Very long break-even periods may indicate the refinance is not beneficial"],"whenToPreferThis":"Use this endpoint when you need a quick, structured refinance comparison that includes break-even analysis and lifetime interest savings in a single call. Prefer it over generic mortgage calculators when you specifically need the months-to-recoup metric and a worth-it recommendation. Best suited for agents helping users decide whether to refinance an existing loan at a new rate and term, especially when closing costs are a factor.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T07:22:05.267Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-refinance-comparison-calculator-42dd1a26"}