The Analysis Tool models your full debt picture — mortgage, credit cards, student loans, business credit — and compares restructuring strategies side by side: cash-out refinance, home equity loan, HELOC, personal loan consolidation, or simply paying debts down on your own. For each scenario it estimates the monthly payment, lifetime interest, break-even point, and the crossover — the month your equity overtakes what you owe. All figures are estimates based on the numbers you enter.
It compares debt restructuring scenarios side by side: a cash-out refinance, a home equity loan, a HELOC, a personal consolidation loan, and paying your debts down yourself with snowball or avalanche strategies. Each scenario shows estimated monthly payment, total interest, break-even on closing costs, and the projected debt-equity crossover date.
Yes. The Analysis Tool and the Financial Audit are free to use, with no account required. Creating a free account lets you save and revisit scenarios.
No. Shouldirefi never publishes or quotes rates. You enter the rates and terms you have been offered, and the tool shows what those numbers would mean for your payments and equity.
The crossover is the projected month when what you own (home equity plus other assets) overtakes what you owe across all your debts. The calculator estimates how each restructuring scenario moves that date.
No. Shouldirefi is not a lender, mortgage broker, or financial advisor. All results are hypothetical estimates based on the data you provide, for informational purposes only. Consult a qualified professional before making financial decisions.