About this calculator
Paying points to buy down your mortgage rate can save tens of thousands of dollars — or cost you money if you move or refinance too soon. The Discount Points Analyzer gives borrowers and advisors a clear, data-driven answer before any commitment is made.
What it shows you
- Upfront cost vs. monthly savings from each point purchased
- Break-even month — when the savings exceed the cost
- Total net benefit at any future date
- Side-by-side comparison across point-buy scenarios
Why it matters
Most borrowers are told what a point costs but not whether buying it makes sense for them. Median U.S. homeowners stay in their home about 8 years — this tool shows exactly whether the break-even lands inside or outside that window.