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Mortgage Discount Points Break-Even Calculator

Months to break even = points cost / monthly savings.

Calculates how many months it takes to break even on mortgage discount points by comparing upfront cost against the monthly payment reduction.

Marcus Laurent By Marcus Laurent
Published Last reviewed 1 min read

Inputs

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Monthly_saving = payment_without − payment_with; Break-even = points_cost / saving

In depth

Calculates how many months it takes to break even on mortgage discount points by comparing upfront cost against the monthly payment reduction.