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Mortgage Points Calculator

Break-even period for paying mortgage discount points.

Determine how long it takes for the monthly savings from buying mortgage discount points to outweigh their up-front cost.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
%
%
yrs
$

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 savings = old payment − new payment. Break-even months = points cost / monthly savings.

In depth

Determine how long it takes for the monthly savings from buying mortgage discount points to outweigh their up-front cost.