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Finance · Tool 23
Refinancing break-even
Old versus new instalment, total switching cost and break-even month.
Decision questionWill the savings arrive before the next likely move?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerPasses entered checks
Break-even month
10 monthsThe month when cumulative entered-rate payment savings overtake switching costs.Monthly savingS$482
Switching costS$4,500
Annual savingS$5,786
Decision shaperelative scale
NAVARO read
The entered costs are recovered inside two years.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Current monthly paymentS$4,756
02New monthly paymentS$4,274
03Monthly savingS$482
04Total switching costS$4,500
05Break-even month10 months