Discount Points Calculator
Compare two rate options side by side to see which saves you more based on how long you keep the loan.
Loan Details
$
%
If not spent on points, this money could earn this return invested elsewhere.
Option A
%
$
Positive = you pay | Negative = lender credit
Option B
%
$
Positive = you pay | Negative = lender credit
Compares total out-of-pocket cost (upfront points + cumulative payments) for each option, including the opportunity cost of money. The better deal depends on how long you keep the loan before selling or refinancing.