We factor in
more than the others.
Most financial calculators online give you a number. We give you the full picture — modeling the real variables that shape your net worth: taxes, investment opportunity cost, equity, PMI, break-even timing, and more.
Because a decision that looks obvious on a basic calculator can look very different when the math is actually complete. Abel is a dog and he knows this.
Why Abel built this
The standard mortgage refinance calculator asks for your rate and loan balance, then tells you your new monthly payment. That's not a decision — that's arithmetic.
A real decision requires modeling what happens to your equity over time, what you give up by not investing the closing costs, how your tax deduction changes, whether PMI drops off, and exactly how many months until you break even. That's what our calculators do.