Do I refi?

We're a small team of developers based in Silicon Valley focused on helping homeowners make better financial decisions. We used our extensive experience in real estate, finance, and data science to build a tool that takes care of the analytical heavy lifting and makes it easy to know when refinancing really makes sense. Unlike with most online calculators, our methods focus on saving homeowners the most money — not just reducing the monthly payment — and carefully consider factors such as time value of money, risk-appropriate discount rates, tax deductibility and others. Since we track interest rates and other industry data, homeowners can receive regular updates on changes that may affect their situation and hopefully never have to think about their mortgage again.

Feel free to contact us at if you have any questions or feedback.