Loan refinancing calculator: how much you save

Free calculator: old vs new monthly payment, total cost, breakeven and verdict, after subtracting the early repayment fee.

No accountIndicative resultData stays in this browser

TINO HELPSChange the figures and compare scenarios.

Keep the inputs consistent and verify final terms with the provider.

Verification recordReviewed by the Kreditano editorial team

Source: GEO 50/2010, ANPC and the figures entered by the user
Checked: 2026-08-10
Method: Same balance, independently chosen terms and two rate periods; switching costs and outstanding debt differences are included. →
Status: Indicative result calculated locally in the browser.

Looking for online refinancing offers?

The calculator estimates a scenario. For products and terms, use the refinancing comparison.

Use the same outstanding balance. Enter both terms and the remaining months before each rate change; compare initial payments and full costs.

Enter your figures, then calculate.

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APR, payment and total payable.

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