Should I Buy Points?

See exactly how many months it takes to break even on paying for a lower rate — and whether it's worth it based on how long you plan to stay.

📉 Break-Even Month💰 Lifetime Savings📊 Side-by-Side Payments

← All Calculators

📋 Loan Details

Loan Amount

$

Loan Term

Time Until You Move or Refi

yrs

The typical U.S. homeowner sells or refinances around 12 years in (Redfin, 2026). Use that as a reference if you're not sure.

🔴 Without Points

Interest Rate

%

The rate your lender quotes with $0 points.

🟢 With Points

Interest Rate

%

The reduced rate after buying points.

Points

pts

Cost of Points

$

1 point = 1% of loan amount. Editing either field updates the other.

Break-Even Point

Time until the upfront cost pays for itself

—

Monthly Savings

—

Cost of Points

—

✅

Buying points looks worth it

Based on your inputs, buying points is likely the right call.

Side-by-Side Comparison

Scenario	Rate	Monthly P&I	Upfront Cost
Without Points	—	—	$0
With Points	—	—	—

Break-Even vs. How Long You'll Stay

Today —

Enter your numbers above to see how the break-even point compares to your planned time in the home.

Not sure which way to go?

We'll run your exact scenario — including how points interact with seller concessions — on a free call.

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This calculator provides estimates for illustrative purposes only and is not a Loan Estimate or a commitment to lend. Actual point pricing, rates, and break-even timing depend on your lender, credit profile, and loan program at the time of application. New Point Lending, DBA Quazel Mortgage · NMLS #2133626 · Equal Housing Opportunity. Talk to a Loan Officer for numbers specific to your loan.

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Should I Buy Points?

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