{"name":"refinance-analysis-calculator","description":"Analyzes whether a mortgage refinance makes financial sense. Compares the current loan against the proposed refinance, computes current and new payment, monthly savings, break-even months, and gross and net savings over the hold horizon, then scores whether the refi economics are attractive. Use it as a rate-and-term refi calculator, break-even month calculator, closing-cost payback tool, or monthly payment savings estimator.","price":"$0.01","method":"POST","input_schema":{"properties":{"current_loan_balance":{"type":"number","description":"Current unpaid principal balance."},"current_rate":{"type":"number","description":"Current annual interest rate as percent, e.g. 7.25."},"new_rate":{"type":"number","description":"Proposed annual interest rate as percent, e.g. 5.95."},"remaining_years":{"type":"number","description":"Years remaining on current loan."},"new_term_years":{"type":"number","description":"Proposed refinance term in years. Defaults to remaining_years."},"closing_costs":{"type":"number","description":"Total refinance closing costs financed or paid out of pocket. Default 0."},"months_to_stay":{"type":"number","description":"Expected holding period in months. Default is new term length."},"current_monthly_payment":{"type":"number","description":"Optional actual current monthly payment override."}},"required":["current_loan_balance","current_rate","new_rate","remaining_years"]},"input_example":{"current_loan_balance":420000,"current_rate":7.25,"new_rate":5.95,"remaining_years":27,"new_term_years":30,"closing_costs":6200,"months_to_stay":84},"output_example":{"calculator":"refinance-analysis-calculator","score":72.4,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"current_monthly_payment":2961.14,"new_monthly_payment":2576.9,"monthly_savings":384.24,"break_even_months":16.1},"drivers":[{"name":"break_even","score":67.8,"weight":0.25,"note":"16.1 months to break even"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}