Refinance Calculator API

POST https://api.findutils.com/api/tools/refinance-calculator/execute

Return the new monthly payment, monthly savings, total cost of the current vs the new loan, total savings, break-even month, and whether a mortgage refinance is worth it. Closing costs are added to the new loan balance. Rates are yearly percentages. Give current_monthly_payment, or give current_rate and it is computed from the balance and the remaining months.

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Request body

application/json

current_balance

number required

Remaining balance on the current loan. Must be > 0.
current_monthly_payment

number optional

Current monthly payment. Optional when current_rate is given.
current_rate

number optional

Current yearly rate in percent. Used only to compute a missing current_monthly_payment.
remaining_months

integer required

Months left on the current loan.
new_rate

number required

New yearly rate in percent.
new_term_months

integer required

New loan term in months (360 = 30 years).
closing_costs

number optional

Refinance closing costs. Default: 0.

Example arguments

Verified

{
  "current_balance": 250000,
  "current_monthly_payment": 1580,
  "remaining_months": 300,
  "new_rate": 5.5,
  "new_term_months": 360,
  "closing_costs": 5000
}

curl -X POST https://api.findutils.com/api/tools/refinance-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "current_balance": 250000,
    "current_monthly_payment": 1580,
    "remaining_months": 300,
    "new_rate": 5.5,
    "new_term_months": 360,
    "closing_costs": 5000
  }'

const response = await fetch('https://api.findutils.com/api/tools/refinance-calculator/execute', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({"current_balance":250000,"current_monthly_payment":1580,"remaining_months":300,"new_rate":5.5,"new_term_months":360,"closing_costs":5000}),
});
const data = await response.json();

import requests

response = requests.post(
    "https://api.findutils.com/api/tools/refinance-calculator/execute",
    json={"current_balance":250000,"current_monthly_payment":1580,"remaining_months":300,"new_rate":5.5,"new_term_months":360,"closing_costs":5000},
)
data = response.json()

$ch = curl_init('https://api.findutils.com/api/tools/refinance-calculator/execute');
curl_setopt_array($ch, [
    CURLOPT_POST => true,
    CURLOPT_HTTPHEADER => ['Content-Type: application/json'],
    CURLOPT_POSTFIELDS => '{"current_balance":250000,"current_monthly_payment":1580,"remaining_months":300,"new_rate":5.5,"new_term_months":360,"closing_costs":5000}',
    CURLOPT_RETURNTRANSFER => true,
]);
$data = json_decode(curl_exec($ch), true);

Also an MCP tool

Call refinance_calculator from Claude, Cursor or any MCP client. Same arguments, same output.

https://mcp.findutils.com

MCP reference

Rate limit: 60 a minute, per IP
Auth: None
REST id: refinance-calculator
MCP name: refinance_calculator
Category: Finance
Machine-readable: openapi.json · markdown.md

Request body

Example arguments

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