Home›Discount Points Break-Even Calculator

Discount Points Break-Even Calculator

Should you pay discount points to buy down your mortgage rate? Calculate break-even and long-term savings.

📍 Property Address (optional)
✓ Saved
InputsShared
Loan Details
Loan Amount
$
Option A — No Points
Interest Rate %
%
Points Paid
pts
Option B — Buy Down Rate
Buydown Rate %
%
Points to Buy Down
pts
Loan Term (years)
Pro Forma — Even Lower Rate
3rd Option Rate %
%
3rd Option Points
pts
As-IsCurrent
Enter values to see results
Payment No Points
—
Payment w/ Points
—
Monthly Savings
—
w/ buydown
Break-Even
—
months
Points Comparison
Points Cost—
Monthly Difference—
Break-Even Months—
Break-Even Years—
10-yr Interest Savings—
30-yr Interest Savings—
Is It Worth It?
Verdict—
Hold Needed—
Pro FormaAfter plan
Enter values to see results
Option C Payment
—
Points Cost
—
Break-Even
—
months
30-yr Savings
—
All Three Options
Option A (no points)—
Option B—
Option C—
Best Option By Hold Time
If holding 5 years—
If holding 10 years—
If holding 30 years—