About the Author
Wealth Manager · CFP® · RICP® Candidate
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
Articles by Benjamin
The break-even math most calculators skip — how to actually decide.
Common MistakesFive cases where the math looks attractive but isn't.
The Core FormulaThe one number every refinance decision starts with.
TimingWaiting has a specific, calculable daily cost. Here's how to run it.
· Run Your Numbers
The calculator shows break-even, total economic cost at every time horizon, and an honest verdict. No lender math.
Open the Calculator →