Set your inputs and units
Enter amounts in THB and choose a period and rate basis that match the scenario you want to model.
Refinance break-even
Compare keeping a loan with refinancing, including fees, payments and remaining debt over the same horizon.
Result
Adjust the example inputs, then calculate.
Same starting debt: upfront costs + cumulative payments + terminal debt. Financed fees are not also charged upfront. NPV discounts payments and terminal debt using nominal annual / 12. Lower monthly payments need not mean overall savings. No automatic tax relief or unentered cashback.
How to use this calculator
Check the assumptions
Review contribution timing, day-count basis or reserve duration. Financial products do not all use the same rules.
Calculate and compare
Read the result and table, then change inputs to compare. Copy the result or reset without leaving this page.
A worked example
Illustrative calculation
If old and new loan terms are identical but refinancing costs 5,000 THB upfront, the total cost rises by 5,000 THB.
Compare a second scenario
Copy your first result, then change only the amount or duration to see how that assumption changes the outcome.
Common questions
Where does my information go?
Calculations run in your browser. Financial inputs are neither saved locally nor sent to analytics. Reloading restores the initial values.
Does this match a bank statement or guarantee a return?
This is an estimate under your assumptions, not a guaranteed return. Actual payment dates, fees, taxes and contractual rounding can change the result.