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Compare old and new interest rates with the capital gains point before you decide to refinance.
Updated year criteria 2026
Home Refinance Savings Calculator
The Home Refinance Savings Calculator estimates a property-cost or return estimate for your scenario from the property value, financing or rental assumptions, time period, fees and rates shown on the page. Replace the example values with your own savings on home refinancing figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Fill in the remaining debt, old interest, new interest and fees. This tool will calculate old interest, new interest, saved interest, cost-effectiveness point and net savings immediately.
Summarize Answers Before Filling In
When is home refinancing worthwhile?
Interest rates must be reduced.
Differences of about 0.5-1% per year and up are usually worth checking, but you have to look at the total fee.
The payoff must be fast.
If you pay the fees before you think about selling your house or closing your debt, the risk is lower.
Popular examples
Home 2 million reduced 6.5% → 4.5% may net savings about 492,034 baht cost savings point 1 year 11 month
Use this button to send a short decision rule before filling in the actual debt and fee amount.
official proof
Refinancing formulas, the Fed, and the Land Department.
This tool is a pre-bank estimate, not a real loan offer. Use the results along with the quote, post-promotion rate and fees confirmed by the branch or land office.
Select Page Matching Search Term
If you're looking for a home loan or refinancing, where should you go next?
You are now at Calculate savings on home refinancing - have the old home debt. This page is suitable when you have the old home debt and need to know if the new interest and fees combined with the repayment are fast enough. If you are still starting from the new home price or are choosing an offer, open the more direct page in the group below.
Checked references
Refinancing calculations must be read from official sources and real offers.
Last check 11 June 2026
Popular Answers
Open the refinancing test immediately.
Choose a nearby situation and adjust your numbers immediately.
Quick answer on the interest spread.
How many percent interest should you refinance your home?
This example uses the debt amount 2,500,000 baht the same interest 6.5% remaining 25 year and the total fees 55,000 baht to see the picture before asking the actual offer from the bank
This figure is a sample calculation, not the actual rate from the bank. The actual rate is to be compared to the loan offer, the transfer fee and the post-promotion terms.
Comparison Chart
Refinancing situations that people are searching for.
This number is calculated using the same formula as the tool below to help you choose a starting point before adjusting your actual sum.
| Case Study | New massager. | Saves a month. | Point of return. | Net savings. | Open the result. |
|---|---|---|---|---|---|
House 2 million reduce 6.5% → 4.5% The fee is 50,000 baht | 12,653 baht | 2,258 baht | 1 Year 11 Month | 492,034 baht | Calculate this case. |
House 3 million reduce 6.75% → 4.25% The fee is 65,000 baht | 16,252 baht | 4,475 baht | 1 Year 3 Month | 1,277,561 baht | Calculate this case. |
1.5 million left. 6.25% down to 4.0% The fee is 35,000 baht | 11,095 baht | 1,766 baht | 1 Year 8 Month | 282,884 baht | Calculate this case. |
Check high fee 80,000. The fee is 80,000 baht | 15,952 baht | 2,688 baht | 2 Year 6 Month | 565,079 baht | Calculate this case. |
Before filling in the fee field.
Total 4. This cost is worth it.
If you understate the fee, the machine says it's too easy, and that's where people make the most mistakes.
New note.
In case of refinancing without changing ownership, the Land Department answers the mortgage fee 1% of the mortgage amount must check the latest measures before making the actual transaction.
The valuation of the collateral.
Many banks charge assessment fees separately or exemptions under promotions must always be included in the fee line.
A fine, a closure, a re-promotion.
If you refinance before you get out of lock-in, there might be fines or charges that the old bank would have made instead, like mortgage fees.
Insurance and day-of-sale fees.
Including MRTA/MRTA-like package, tax and other operational costs before comparison of the cost of capital.
Refinancing calculations.
Use this to make your decision.
Send the numbers to your spouse, bank, or keep them for comparison.
Calculates and displays a link with the debt amount, interest, fees and capital gains.
Compare the actual offer.
Refinance or retention?
After you've done the calculation, fill out the retention offer from your bank, and the system will compare the cost of your retention period, including interest, fees, and the remaining principal.
Make the main calculation and fill out the retention proposal.
Decisions after calculation.
Should I refinance, get retention or wait?
Press calculate and the system will combine net savings, cost-effectiveness, fees and retention into one recommendation.
The number of judges.
- Net savings.
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- Point of return.
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- Compare retention
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- The benchmark debt holding period.
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What is still to be confirmed before subscribing?
System Criteria
Refinance, we'll talk right away.
Net savings are positive, the capital gains are in the debt-holding period, and retention is not a clear winner.
Retention before moving banks.
If the old bank could cut interest rates close to that, maybe save on the transfer fee.
Confirm fee before you believe.
The overstated results are usually due to not including mortgages, valuations, or full fines.
You shouldn't be moving in a hurry.
If the payments don't drop, net savings are negative, or you're selling the house before you pay, negotiate first.
Compare the actual offer before you sign up.
You got 2 banks offering you to put in the rate and the fee and see which one's better.
Use the same figures as the main calculator and compare offer A to offer B for the time you think you'll actually be in debt. Good for comparing refinancing to retention or offers from two banks.
Proposal A.
Proposal B.
If you're selling or closing your debt quickly, you should put in a shorter period, because the day fee will affect the cost of ownership more.
Enter the number and the system will compare the net cost immediately.
- Proposal A.
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- Proposal B.
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- Net Difference
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After seeing the calculations,
4 questions before accepting a refinancing offer.
The cheapest offer may be more expensive when you add lock-in, repayment costs and interest after the promotion ends.
Average rate 3 first year
Don't just look at the first year, ask for the average rate for several years and the post-promotion rate to compare the actual cost.
The same bank retention.
Ask for a retention offer before you move, because if you get a similar interest rate, you might save on the transfer fee.
Excluded expenses and refund conditions
If the new bank waives the mortgage or appraisal, ask how many years before the debt closes.
The plan is to keep the debt.
If you sell your house or close your debt before you reach the cost-effective point, the long-term net savings figure may not be realised.
How to use the home refinancing savings calculator
- Fill The debt remains. From the current bank statement.
- Specify Same interest. And... New interest. The new bank offers.
- Fill The remaining lots. And... New contract term.
- Put it on. Refinancing fees. Add all items. Click Calculate to see the result.
Formula used for calculation
Calculations by PMT: PMT = P × [r(1+r)^n] / [(1+r)^n − 1]Where P = principal, r = interest per month, n = number of instalments. Total interest is the sum of all interest instalments. Net savings = total old interest − total new interest − fees.
Decision framework.
What do you do after reading the results?
We should talk to the bank right away.
Net savings are positive, profit margins are no more than 12-24 per month, and no high closing fees.
More checks.
Net savings close to zero or long-term capital gains, try negotiating fees, first-year interest, and post-promotion interest.
It's not always worth it.
The new interest rate isn't really low, or you're planning to sell/close before the capital gains point?
Precautions before refinancing
- Check the early closure penalty of the old contract.
- Compare interest rates after the promotion ends, 2-3, first year.
- Including all expenses: property valuation, mortgage, stamp duty and bank fees.
- If the payoff is longer than you're willing to hold, it might not be worth refinancing.
Frequently asked questions
How much is a home refinancing worth when interest rates differ?
What are the home refinancing fees?
Home refinancing costs mortgage 1% or 0.01%?
How is the refinancing margin calculated?
How long should the new contract be?
Official reference source
- The Fed. Home loan. - Uses the main argument to think that we need to look at the home debt burden, post-promotion interest, and long-term repayment ability.
- Fed. Retention and Refinance. - Use to compare retention to refinancing, including the costs that may be paid back to the original bank.
- Fed. Debt restructuring and refinancing. - confirms the definition of refinancing as a change of debtor to find cheaper terms.
- Land Office, mortgage fee for refinancing. — Based on the new mortgage fee in case of no change of ownership
- Land Department, mortgage rights 0.01% - Use to warn that the fee reduction measures must check specific conditions before being selected.
English calculator guide
How to use the Home Refinance Savings Calculator
Use this page to test a specific savings on home refinancing scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the home refinance savings estimate instead of relying on a generic example.
- Build a baseline savings on home refinancing case with figures that match your situation.
- Run a second savings on home refinancing case after changing the rate, period, quantity or other key assumption.
- Record the difference between the two savings on home refinancing results and the input responsible for it.
Inputs for the savings on home refinancing estimate
For this savings on home refinancing calculation, check the property value, financing or rental assumptions, time period, fees and rates shown on the page. The result is designed to show a property-cost or return estimate for your scenario, not a guaranteed provider price or official decision.
How the savings on home refinancing result is calculated
The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same savings on home refinancing inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a savings on home refinancing decision
Confirm current lender, tax, transfer and provider terms before committing. For savings on home refinancing, Use the result to compare affordability, not as a lending offer. Check the lender’s effective rate, fees, insurance, payment schedule and approval conditions before committing. Check the important inputs and any current provider or authority rules before using the result for a decision.
- Language QA
- Terminology, numeric values and calculator controls checked
- Calculator scope
- Loan and interest
- Last English review
- 26 July 2026