Refinance Comparison Calculator Spreadsheet | Mortgage Refi Break Even | Google Sheets

🏠 Refinancing is a five-figure decision — and the lowest rate on the page is not always the winner.

Refinance Comparison Calculator puts three offers side by side against your current loan: new payment, monthly savings, closing-cost recovery, break-even month, and 5-year net benefit, with an automatic winner verdict. A pre-built decision system, not a blank template: every comparison and the verdict are already done for you.

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📦 WHAT'S INCLUDED

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✅ Refinance Comparison Calculator workbook for Google Sheets (7 tabs)

Start Here · Setup · Current Loan · New Offers · Break-Even · Verdict · Dashboard

✅ Quick Start PDF — from download to your refinance verdict in about 15 minutes

✅ FAQ & Access Guide PDF — answers, troubleshooting, and license terms

✅ One ZIP file — instant download, everything inside

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⚡ KEY FEATURES

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⚖️ Side-by-side loan compare — three offers against your current loan, one table

📅 Break-even month calc — exactly when each refinance pays for itself

💰 Closing-cost recovery — points + fees vs monthly savings, no hand-waving

🏆 Winner verdict — automatic pick by lowest break-even, with payback-speed guidance

📊 Cumulative savings chart — month-by-month payback curves for all three offers

🚩 Red / amber / green status — offer health at a glance

🔒 Protected formulas — nothing breaks when you type

🔧 100% Sheets-native — no coding, no add-ons

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🚀 HOW IT WORKS

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1️⃣ Purchase and download your files instantly

2️⃣ Open the workbook in Google Sheets and enter your current loan plus up to three offers — about 15 minutes

3️⃣ Read the verdict tab and take the winning numbers to your lender

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📌 IMPORTANT NOTES

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• This is a digital download — no physical item will be shipped

• Built for Google Sheets ONLY — requires a free Google account

• Instant download — your files are ready right after checkout

• Launch pricing: $10.8

✅ 30-DAY MONEY-BACK GUARANTEE — you're covered. Message us within 30 days for a full refund, no forms, no hassle.

• Single-user license — redistribution, resale, or sharing is not permitted

• Compares principal-and-interest payments plus closing costs — taxes and insurance (escrow) are not included.

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🛍️ LIKE THIS SYSTEM?

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See the full SystemCraftDigital collection — cash flow, invoicing, tax planning, budgeting, and more — in my shop.