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About the Author

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Benjamin Miller-Rios

Wealth Manager · CFP® · RICP® Candidate

CFP® Certified RICP® Candidate 2026 Eagle Rock, CA

Why I built RefiCalc

I'm a CFP® and wealth manager based in Eagle Rock, Los Angeles. Most of my clients are pre-retirees and retirees — people for whom a mortgage decision isn't just about the monthly payment. It's about how long their money lasts.

I got tired of watching clients walk into refinance decisions armed only with a lender's calculator that was designed to make refinancing look attractive. So I built RefiCalc to show the full picture: break-even, total economic cost at every time horizon, and an honest verdict — including when the math says to wait.

Every article and calculation on this site reflects how I actually think about mortgage decisions for real clients. The math isn't adjusted to sell you anything.

Credentials & Background

  • CFP® — Certified Financial Planner™
  • RICP® — Retirement Income Certified Professional (candidate, target Summer 2026)
  • California P&C Insurance Licensed (in development)

Articles by Benjamin

Decision Framework

Should I Refinance My Mortgage in 2026?

The break-even math most calculators skip — how to actually decide.

Common Mistakes

When Refinancing Is a Mistake (5 Scenarios)

Five cases where the math looks attractive but isn't.

The Core Formula

Mortgage Refinance Break-Even Calculator

The one number every refinance decision starts with.

Timing

The Real Cost of Waiting to Refinance

Waiting has a specific, calculable daily cost. Here's how to run it.

· Run Your Numbers

See the full picture in 60 seconds.

The calculator shows break-even, total economic cost at every time horizon, and an honest verdict. No lender math.

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