# Saylor Innovations Refinance Comparison Calculator

> 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.

## Facts

- Endpoint: GET https://saylorinnovations.com/api/finance/refinance?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-refinance-comparison-calculator-42dd1a26
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VWEzx7GlC5YDXd8G5qhAx

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability saylor-innovations-refinance-comparison-calculator-42dd1a26
```

Example prompt: I have a $320,000 mortgage at 6.75% with 24 years left. A lender is offering me 5.9% on a new 30-year loan with $4,500 in closing costs — can you run the refinance numbers and tell me if it's worth it and how long to break even?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "balance",
      "current_rate_percent",
      "remaining_years",
      "new_rate_percent",
      "new_term_years"
     ],
     "properties": {
      "balance": {
       "type": "string",
       "description": "current loan balance"
      },
      "closing_costs": {
       "type": "string",
       "description": "optional closing costs"
      },
      "new_term_years": {
       "type": "string",
       "description": "new loan term in years"
      },
      "remaining_years": {
       "type": "string",
       "description": "years left on the current loan"
      },
      "new_rate_percent": {
       "type": "string",
       "description": "new interest rate"
      },
      "current_rate_percent": {
       "type": "string",
       "description": "current interest rate"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "new_payment",
      "breakeven_months"
     ],
     "properties": {
      "note": {
       "type": "string",
       "description": "Plain-language caveat about how to read and use the result"
      },
      "source": {
       "type": "string",
       "description": "Where the data or formula comes from"
      },
      "worth_it": {
       "type": "boolean",
       "description": "True when the break-even exists and lifetime cost falls"
      },
      "new_payment": {
       "type": "number",
       "description": "Monthly payment on the new loan"
      },
      "closing_costs": {
       "type": "number",
       "description": "Closing costs used"
      },
      "monthly_change": {
       "type": "number",
       "description": "New payment minus current payment (negative is a saving)"
      },
      "breakeven_years": {
       "type": [
        "number",
        "null"
       ],
       "description": "Break-even in years"
      },
      "current_payment": {
       "type": "number",
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-refinance-comparison-calculator-42dd1a26/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)