RecastMate
Free mortgage recast calculator
About RecastMate
RecastMate is a free mortgage recast calculator for US homeowners. Enter your loan balance, interest rate, remaining term and the lump sum you want to apply to principal, and you immediately see the new monthly payment, the new payoff date, and the interest saved over the life of the loan — plus a side-by-side comparison of recasting, making an extra principal payment, and refinancing. No account, no ads, nothing to install.
What RecastMate is used for
- Deciding whether a lump sum is better as a recast or an extra payment
- Comparing a recast with a refinance
- Checking what a smaller payment does to your payoff date
RecastMate pricing
Free. No account, no signup, no ads, no paywall. Every calculator and every result on the site is available without registering.
RecastMate alternatives
Tools the builder names as the closest alternatives.
- Spreadsheets, calling the loan servicer, and generic amortiz
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1 comment
Hi, I built RecastMate because my own lender quoted me a recast fee and couldn't tell me what my new payment would be until I paid it. Here you can see the new payment, the new payoff date and the tot