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Two paths, the same libraries as the calculators, one after-tax or net-worth verdict.

Refinance vs stay is closing costs, payment, and remaining interest — including the trap of a new 30-year term. Roth vs traditional uses the same pre-tax paycheck dollars, not equal account deposits. Extra payment vs invest scores net worth at a horizon and will not invent a payoff date if the minimum cannot cover interest.

Assumptions are editable. If the verdict flips when you change the return or the future tax rate, you do not have a sure thing; you have a risk preference. Educational estimates only.