We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. The mortgage refinance calculator helps sort through the confusion and determine if refinancing … The mortgage refinance calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator. Refinance Calculator. In addition, it will calculate the number of months to break even on closing costs with your reduced monthly payment. Enter the specifics about your current mortgage, along with your current appraised value, new loan term, rate and closing costs. The mortgage refinance calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision. Estimate your new monthly mortgage payment, savings and breakeven point. 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