Confused if refinancing your mortgage is really worth it?

Worried about closing costs, break-even points, and long-term savings?

Not sure if you’ll save money or end up paying more?

Mortgage Refinance & AI Payoff is your private, intelligent refinance planner that gives you clear answers, accurate calculations, and personalized payoff strategies. No guesswork. No stress. Just confidence.

Discover How This App Helps You Refinance Smarter:

✅ Know If Refinancing Is Worth It

Compare your current mortgage with a refinance offer. Instantly see monthly savings, lifetime costs, and your exact break-even point.

✅ Get AI-Powered Payoff Insights

The built-in Smart Mortgage Simulator demonstrates possible refinance scenarios and explains different payoff paths refinance now, wait, or add extra payments. (For educational purposes only.)

✅ See Lifetime Savings in Seconds

Animated charts reveal how much interest you’ll save, how many years you’ll cut off your loan, and your new payoff date.

✅ Run Real “What If” Scenarios

Adjust interest rates, terms, or extra payments and instantly see the impact. Explore stress-test scenarios like rising rates or early selling.

✅ Calculate the Full Picture

Include taxes, insurance, PMI, HOA fees, and other costs to get the most accurate view of your total monthly payment.

✅ Save, Export, and Share Reports

Keep unlimited scenarios, export professional PDF reports, or share results with your advisor in one tap.

✅ 100% Private. 100% Offline. No Ads.
All calculations stay on your device. No sync, no data collection, no account required to use the core calculator. (Sign in only to save preferences or unlock AI analysis.)

📌 Bonus Features:

- Multi-currency support: USD, GBP, EUR, CAD, AUD, NZD, CHF, SEK, NOK, DKK
- Simple, modern design
- Fast, reliable performance

Important Note:
This mortgage refinance app does not offer or facilitate real loans or financial services. For educational purposes only.

Download Mortgage Refinance & AI Payoff today and take control of your future before it’s too late.