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Student Loan Refinancing Calculator
Student Loan Refinancing Calculator to calculate the new monthly payments after you refinance your student loan.
Student Refinance Calculator Results |
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New Monthly Payment: |
$1,541.01 | |||||
Payoff Date: |
Apr, 2031 | |||||
Total Interest Savings: |
$25,410.98 | |||||
Student Loan Refinance Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| May, 2025 | 1 | $415.63 | $1,125.38 | $1,541.01 | $93,874.62 | |
| Jun, 2025 | 2 | $410.70 | $1,130.31 | $1,541.01 | $92,744.31 | |
| Jul, 2025 | 3 | $405.76 | $1,135.25 | $1,541.01 | $91,609.05 | |
| Aug, 2025 | 4 | $400.79 | $1,140.22 | $1,541.01 | $90,468.83 | |
| Sep, 2025 | 5 | $395.80 | $1,145.21 | $1,541.01 | $89,323.63 | |
| Oct, 2025 | 6 | $390.79 | $1,150.22 | $1,541.01 | $88,173.41 | |
| Nov, 2025 | 7 | $385.76 | $1,155.25 | $1,541.01 | $87,018.16 | |
| Dec, 2025 | 8 | $380.70 | $1,160.31 | $1,541.01 | $85,857.85 | |
| Jan, 2026 | 9 | $375.63 | $1,165.38 | $1,541.01 | $84,692.47 | |
| Feb, 2026 | 10 | $370.53 | $1,170.48 | $1,541.01 | $83,521.99 | |
| Mar, 2026 | 11 | $365.41 | $1,175.60 | $1,541.01 | $82,346.39 | |
| Apr, 2026 | 12 | $360.27 | $1,180.74 | $1,541.01 | $81,165.64 | |
| May, 2026 | 13 | $355.10 | $1,185.91 | $1,541.01 | $79,979.73 | |
| Jun, 2026 | 14 | $349.91 | $1,191.10 | $1,541.01 | $78,788.64 | |
| Jul, 2026 | 15 | $344.70 | $1,196.31 | $1,541.01 | $77,592.33 | |
| Aug, 2026 | 16 | $339.47 | $1,201.54 | $1,541.01 | $76,390.78 | |
| Sep, 2026 | 17 | $334.21 | $1,206.80 | $1,541.01 | $75,183.98 | |
| Oct, 2026 | 18 | $328.93 | $1,212.08 | $1,541.01 | $73,971.90 | |
| Nov, 2026 | 19 | $323.63 | $1,217.38 | $1,541.01 | $72,754.52 | |
| Dec, 2026 | 20 | $318.30 | $1,222.71 | $1,541.01 | $71,531.81 | |
| Jan, 2027 | 21 | $312.95 | $1,228.06 | $1,541.01 | $70,303.75 | |
| Feb, 2027 | 22 | $307.58 | $1,233.43 | $1,541.01 | $69,070.32 | |
| Mar, 2027 | 23 | $302.18 | $1,238.83 | $1,541.01 | $67,831.50 | |
| Apr, 2027 | 24 | $296.76 | $1,244.25 | $1,541.01 | $66,587.25 | |
| May, 2027 | 25 | $291.32 | $1,249.69 | $1,541.01 | $65,337.56 | |
| Jun, 2027 | 26 | $285.85 | $1,255.16 | $1,541.01 | $64,082.40 | |
| Jul, 2027 | 27 | $280.36 | $1,260.65 | $1,541.01 | $62,821.75 | |
| Aug, 2027 | 28 | $274.85 | $1,266.16 | $1,541.01 | $61,555.59 | |
| Sep, 2027 | 29 | $269.31 | $1,271.70 | $1,541.01 | $60,283.88 | |
| Oct, 2027 | 30 | $263.74 | $1,277.27 | $1,541.01 | $59,006.62 | |
| Nov, 2027 | 31 | $258.15 | $1,282.86 | $1,541.01 | $57,723.76 | |
| Dec, 2027 | 32 | $252.54 | $1,288.47 | $1,541.01 | $56,435.29 | |
| Jan, 2028 | 33 | $246.90 | $1,294.11 | $1,541.01 | $55,141.19 | |
| Feb, 2028 | 34 | $241.24 | $1,299.77 | $1,541.01 | $53,841.42 | |
| Mar, 2028 | 35 | $235.56 | $1,305.45 | $1,541.01 | $52,535.97 | |
| Apr, 2028 | 36 | $229.84 | $1,311.16 | $1,541.01 | $51,224.80 | |
| May, 2028 | 37 | $224.11 | $1,316.90 | $1,541.01 | $49,907.90 | |
| Jun, 2028 | 38 | $218.35 | $1,322.66 | $1,541.01 | $48,585.24 | |
| Jul, 2028 | 39 | $212.56 | $1,328.45 | $1,541.01 | $47,256.79 | |
| Aug, 2028 | 40 | $206.75 | $1,334.26 | $1,541.01 | $45,922.53 | |
| Sep, 2028 | 41 | $200.91 | $1,340.10 | $1,541.01 | $44,582.43 | |
| Oct, 2028 | 42 | $195.05 | $1,345.96 | $1,541.01 | $43,236.47 | |
| Nov, 2028 | 43 | $189.16 | $1,351.85 | $1,541.01 | $41,884.62 | |
| Dec, 2028 | 44 | $183.25 | $1,357.76 | $1,541.01 | $40,526.85 | |
| Jan, 2029 | 45 | $177.30 | $1,363.70 | $1,541.01 | $39,163.15 | |
| Feb, 2029 | 46 | $171.34 | $1,369.67 | $1,541.01 | $37,793.48 | |
| Mar, 2029 | 47 | $165.35 | $1,375.66 | $1,541.01 | $36,417.82 | |
| Apr, 2029 | 48 | $159.33 | $1,381.68 | $1,541.01 | $35,036.13 | |
| May, 2029 | 49 | $153.28 | $1,387.73 | $1,541.01 | $33,648.41 | |
| Jun, 2029 | 50 | $147.21 | $1,393.80 | $1,541.01 | $32,254.61 | |
| Jul, 2029 | 51 | $141.11 | $1,399.90 | $1,541.01 | $30,854.71 | |
| Aug, 2029 | 52 | $134.99 | $1,406.02 | $1,541.01 | $29,448.69 | |
| Sep, 2029 | 53 | $128.84 | $1,412.17 | $1,541.01 | $28,036.52 | |
| Oct, 2029 | 54 | $122.66 | $1,418.35 | $1,541.01 | $26,618.17 | |
| Nov, 2029 | 55 | $116.45 | $1,424.56 | $1,541.01 | $25,193.62 | |
| Dec, 2029 | 56 | $110.22 | $1,430.79 | $1,541.01 | $23,762.83 | |
| Jan, 2030 | 57 | $103.96 | $1,437.05 | $1,541.01 | $22,325.78 | |
| Feb, 2030 | 58 | $97.68 | $1,443.33 | $1,541.01 | $20,882.45 | |
| Mar, 2030 | 59 | $91.36 | $1,449.65 | $1,541.01 | $19,432.80 | |
| Apr, 2030 | 60 | $85.02 | $1,455.99 | $1,541.01 | $17,976.81 | |
| May, 2030 | 61 | $78.65 | $1,462.36 | $1,541.01 | $16,514.45 | |
| Jun, 2030 | 62 | $72.25 | $1,468.76 | $1,541.01 | $15,045.69 | |
| Jul, 2030 | 63 | $65.82 | $1,475.18 | $1,541.01 | $13,570.50 | |
| Aug, 2030 | 64 | $59.37 | $1,481.64 | $1,541.01 | $12,088.87 | |
| Sep, 2030 | 65 | $52.89 | $1,488.12 | $1,541.01 | $10,600.74 | |
| Oct, 2030 | 66 | $46.38 | $1,494.63 | $1,541.01 | $9,106.11 | |
| Nov, 2030 | 67 | $39.84 | $1,501.17 | $1,541.01 | $7,604.94 | |
| Dec, 2030 | 68 | $33.27 | $1,507.74 | $1,541.01 | $6,097.20 | |
| Jan, 2031 | 69 | $26.68 | $1,514.33 | $1,541.01 | $4,582.87 | |
| Feb, 2031 | 70 | $20.05 | $1,520.96 | $1,541.01 | $3,061.91 | |
| Mar, 2031 | 71 | $13.40 | $1,527.61 | $1,541.01 | $1,534.30 | |
| Apr, 2031 | 72 | $6.71 | $1,534.30 | $1,541.01 | $0.00 | |
Original vs. Refinance |
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| Original | Student Loan Refinance | |||||
| Monthly Payment | $850.00 | $1,541.01 | ||||
| Total Interest | $41,363.68 | $15,952.69 | ||||
| Total Principal | $95,000.00 | $95,000.00 | ||||
| Total Payment | $136,363.68 | $110,952.69 | ||||
| Total Interest Savings | $0 | $25,410.98 | ||||
| Payoff Date | Sep, 2038 | Apr, 2031 | ||||
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