Property Decision Desk

Decision Frames

Refinance or Not

Closing costs against monthly savings, with the reset-clock trap included.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

Use Refinance or Not when you want to see a hard property decision framed with clear trade-offs in plain numbers. Closing costs against monthly savings, with the reset-clock trap included.

It is free, runs entirely client-side, and is built for quick what-if loops: change one input, rerun, compare.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About Refinance or Not

What question does Refinance or Not answer?

Closing costs against monthly savings, with the reset-clock trap included. It focuses on a hard property decision framed with clear trade-offs, so you can compare realistic paths instead of a single optimistic listing photo.

How does Refinance or Not work?

Enter your own numbers in the fields, press the button, and compare the paths shown. Adjust one assumption at a time to see which input moves the result most.

Is Refinance or Not free?

Yes. Refinance or Not is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. Refinance or Not produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.