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Saylor Innovations Refinance Comparison Calculator
x402
Saylor Innovations Refinance Comparison Calculator is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).
Calculates refinance comparison metrics including new monthly payment, break-even months to recoup closing costs, remaining interest on each loan, and lifetime savings — with optional closing costs rolled into the new loan.
Price / call$0.01
Success—
StatusUnknown
How this service works
Refinance comparison: new payment, months to recoup closing costs, remaining interest on each loan and lifetime savings, with optional costs rolled into the loan.
Output
Returns a JSON object with the computed new monthly payment, current monthly payment, monthly change, break-even in months and years (null if not applicable), remaining interest on the current and new loan, lifetime savings, new loan amount (including any rolled-in closing costs), a boolean 'worth_it' flag, and a plain-language note explaining how to interpret results.
Example use cases
Homeowner evaluating rate drop offer
“My current mortgage balance is $275,000 at 7.1% with 22 years remaining. I got a refi offer at 5.85% for 30 years with $6,000 in closing costs — what's my new monthly payment, how many months to break even, and do I save money overall?”
Rolling closing costs into new loan
“I want to refinance my $400,000 mortgage — currently at 6.5% with 27 years left — into a new 30-year loan at 5.75%. I'd like to roll the $5,200 closing costs into the loan instead of paying upfront. What does my new payment look like and when do I break even?”
Short-term stay break-even check
“I owe $180,000 at 6.9% with 18 years left and I'm considering a 15-year refi at 5.5% with $3,000 in closing costs. How many months until I recoup those costs, and is this refinance actually worth it lifetime?”
Technical details
Endpoint
GEThttps://saylorinnovations.com/api/finance/refinance?utm_source=zero.xyzWhen to prefer
Use this endpoint when you need a quick, structured refinance comparison that includes break-even analysis and lifetime interest savings in a single call. Prefer it over generic mortgage calculators when you specifically need the months-to-recoup metric and a worth-it recommendation. Best suited for agents helping users decide whether to refinance an existing loan at a new rate and term, especially when closing costs are a factor.
Side effects
- Missing required query parameters (balance, current_rate_percent, remaining_years, new_rate_percent, new_term_years) returns an error
- Non-numeric or improperly formatted string values for numeric fields may cause computation errors
- Negative or zero balance/rate values may produce nonsensical results
- Break-even may be null if no upfront closing costs are provided or savings never recoup costs
- Very long break-even periods may indicate the refinance is not beneficial
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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