This is a simplified comparison. Taxes, insurance, escrow, PMI, points, and changing rates are not included.
Tip: If your new term is longer, your payment may go down while total interest goes up. Compare both.
Loan refinance calculator — Compare your current loan vs a refinance: payment, total interest, monthly savings, and break-even months (with fees). Shareable, browser-only MVP.
Example: Use this tool to sanity-check numbers quickly, then share the link if you need to discuss with others.
FAQ: (1) Does it upload my data? No—runs in your browser. (2) Can I share results? Yes—use the share link feature. (3) Is it authoritative? Treat it as a convenience, not professional advice.
轉貸是否划算 — 比較舊/新貸款：月付、剩餘利息、每月節省與回本月數（含手續費）。可分享連結、純前端 MVP。
範例：用這個工具快速試算與對照結果，需要討論時再把連結分享給對方。
FAQ： (1) 會上傳資料嗎？不會，計算在瀏覽器內完成。 (2) 能分享結果嗎？可以，用分享連結。 (3) 準確嗎？請把它當作便利工具，不是專業建議。