30-yr fixed 6.793% · Updated daily
Know the moment refinancing makes sense for your loan
SIRY tracks rates against your mortgage daily. When the numbers look right, even months from now, you'll know.
Free to start. No credit card required.
Rate
6.75%
5.85%
Monthly
$2,147
$1,835
Total interest
$380,000
$268,000
Save $312/mo
Break even in 18 months
Numbers look favorable. Estimated breakeven under 2 years
$
%
Enter your loan details above to see your estimate
Real homeowners. Real savings.
When rates dipped for a brief moment in early 2026, SIRY users were ready.
Caught the Jan 2026 rate dip
$516.57/mo
saved on monthly payment
6.325% → 5.625% · $9k lender credits · breakeven 1 month"I'd been tracking rates for months. SIRY alerted me in January 2026 when they dipped. I refinanced from 6.325% to 5.625% with $9k in lender credits. Breakeven was just 1 month and I'm now saving a little over $500 every month! I'm glad I refinanced when I did because rates came back up quickly after February and still haven't come back down yet."
Colleen K., waiting to refinance since 2024
Caught the Jan 2026 rate dip
$800/mo
saved on monthly payment
7.34% → 5.875% · dropped PMI early · breakeven 10 months"I bought in November 2023 hoping to refinance soon, but after a while I honestly stopped thinking about it. SIRY alerted me in January 2026 and brought me back. I used the calculator to compare a few offers side by side and it showed that with my home's appreciation I could drop PMI too. Locked in at 5.875% and I'm saving around $800 a month. Ten months to break even, so I'll be in the green before the end of the year."
A.D., waited to refinance since 2023
Rates are higher now. But they'll move again.
The window in January closed fast. When the next one opens, will you know about it? Set up alerts and we'll tell you the moment the numbers look right for your loan.
Rates don't stay low for long.
In early 2026, rates dipped and then quickly recovered. It happened fast. SIRY keeps watch so that when the next opportunity opens, you'll know before it closes.
SIRY watches rates against your specific loan every day. When the numbers cross your threshold, you'll get a full report with your estimated new payment, projected savings, and breakeven timeline.
Today's national average rates
30-yr fixed
6.793%
Updated daily15-yr fixed
5.856%
Updated dailyHow it works
Up and running in under 2 minutes.
Enter your mortgage
Tell us your current loan balance, interest rate, and when you started. Takes under 2 minutes.
Set your threshold
Choose your target monthly savings or breakeven timeline. We personalize the analysis to your financial goals.
Get alerted instantly
When rates hit your threshold, we send you a detailed report: estimated new payment, projected savings, and how long to break even — everything you need before calling a lender.
Why refinance your mortgage?
The right timing can shave years off your loan and put thousands back in your pocket.
Lower interest rate
Even a 0.5% drop on a $400k loan can cut your monthly payment by roughly $120 and save tens of thousands in interest over the life of the loan.
Change loan terms
Switching from a 30-year to a 15-year term at the same rate can cut your total interest bill nearly in half.
Convert loan type
Lock in a fixed rate for payment stability, or move to an ARM if you plan to sell within a few years.
Access home equity
Cash-out refinancing lets you tap built-up equity to consolidate high-interest debt at your mortgage rate.
Everything you need to decide with confidence
No guesswork. No pressure. Just clear numbers.
Refinancing Calculator
See whether refinancing makes sense right now. Unlike most calculators, you can compare up to 3 lender offers side-by-side, factor in PMI, and tell it when you plan to sell so the breakeven timeline is actually accurate for your situation.
Try the calculatorPersonalized Rate Alerts
Set your savings target once. We compare 12+ lender rates daily against your actual loan and send you a full report with estimated new payment, projected savings, and breakeven when the numbers look right.
Set up alertsAmortization Schedule
See month-by-month how your balance drops, your equity builds, and how much of each payment goes to interest vs. principal over the life of your loan.
View a sample scheduleCommon questions
Everything you need to know before getting started.
Should I Refinance Yet tracks mortgage rates against your specific loan and alerts you when refinancing would make financial sense. Instead of watching rates yourself, you set a savings threshold once and we notify you when the numbers cross it.
Just the basics: your remaining loan balance, current interest rate, and the month and year your loan originated. We can run a full analysis from there. You can optionally add a target sell year to factor into your breakeven calculation.
We pull mortgage rate data from multiple lenders daily so your analysis always reflects current market conditions. The interest rates page shows live offers from 12+ lenders, including the rates and terms used in your personalized report.
We give you an honest look at whether the estimated savings and breakeven timeline cross your threshold, based on your loan details and current rates. We're not financial advisors, so we always recommend confirming with a licensed loan officer before making any decision.
Rates are moving. Know the moment it's your turn.
Even if now isn't the right time, we'll tell you when it is. Free to start, no credit card required.