Should I Refinance? is a free tool that uses AI to analyze whether refinancing your mortgage makes financial sense based on your specific numbers.
When the math doesn't support refinancing, we tell you that directly. No sales pitch, no affiliate links — just an honest answer.
Some links on this site are from financial services partners who compensate us when you click through and take action. This is how we keep the tool free.
These links only appear when our analysis suggests refinancing may make sense for you. When the answer is "don't refinance," you won't see any partner links.
Partner compensation does not influence the analysis. The AI engine does not know which partners we work with and cannot see or generate affiliate links.
This tool is for informational and educational purposes only. It does not constitute financial advice, mortgage advice, or any professional advisory service.
Before making decisions about your mortgage, consult with a licensed mortgage professional or financial advisor, get actual rate quotes from multiple lenders, and consider your complete financial situation.
We make no guarantees about the accuracy of estimates, projected savings, or market rate assumptions. By using this tool, you acknowledge these limitations.
What we collect: The numbers you enter into the tool are sent to our analysis engine to generate your results.
What we don't collect: We do not collect your name, email, phone number, or any personally identifiable information. No account required.
What we store: Nothing. Your inputs are processed in real-time and not saved.
Third-party links: When you click a partner link, you leave our site and are subject to that partner's privacy policy.