Refinance Savings Calculator (Singapore, 2026)
Use this when you’re quoted a new rate and want a fast sanity check: monthly savings, break‑even months after fees, and interest saved. This assumes a standard amortising home loan with monthly repayments.
Inputs
Tip: If you are likely to refinance again soon, use a shorter horizon (e.g., 24–36 months) to avoid “paper” savings that never materialise.
What to do with the result
- Break‑even under ~12–18 months: usually worth investigating seriously (unless you’re likely to sell soon).
- Break‑even longer than your “likely horizon”: savings may be theoretical.
- Small monthly savings + large fees: ask for legal subsidy / fee waiver, or consider repricing instead.