Jaken Aviation · Planning tool
Does the new structure improve the whole picture?
Compare cash relief with fees, payoff and remaining debt over the same hold.
Illustrative starting values, not current rates, costs or lending terms. Inputs stay in this tab. Change the assumptions to match your actual proposal; calculations do not establish eligibility.
- Refinance modeled PV savings
- $17,822.47
- Monthly payment relief
- $9,433.43
- Keep: exit principal
- $2,335,286.64
- Refinance: exit principal
- $2,622,067.66
- Nominal horizon savings
- $17,822.47
- Sustained nominal break-even
- Month 18
Savings include debt remaining at the same exit date. Positive monthly relief can coexist with negative overall savings. Break-even is not promised beyond the modeled horizon.
View exit comparison
| Month | Keep balance (USD) | New balance (USD) | Savings (USD) |
|---|---|---|---|
| 1 | $2,983,601.72 | $2,990,535.15 | -$32,500.00 |
| 2 | $2,967,094.12 | $2,981,015.09 | -$30,054.11 |
| 3 | $2,950,476.47 | $2,971,439.50 | -$27,662.74 |
| 4 | $2,933,748.04 | $2,961,808.05 | -$25,326.29 |
| 5 | $2,916,908.08 | $2,952,120.41 | -$23,045.18 |
| 6 | $2,899,955.85 | $2,942,376.27 | -$20,819.83 |
| 7 | $2,882,890.61 | $2,932,575.28 | -$18,650.66 |
| 8 | $2,865,711.61 | $2,922,717.12 | -$16,538.07 |
| 9 | $2,848,418.07 | $2,912,801.46 | -$14,482.51 |
| 10 | $2,831,009.25 | $2,902,827.95 | -$12,484.40 |
| 11 | $2,813,484.36 | $2,892,796.27 | -$10,544.17 |
| 12 | $2,795,842.65 | $2,882,706.06 | -$8,662.25 |
| 13 | $2,778,083.32 | $2,872,557.00 | -$6,839.09 |
| 14 | $2,760,205.60 | $2,862,348.73 | -$5,075.11 |
| 15 | $2,742,208.69 | $2,852,080.92 | -$3,370.78 |
| 16 | $2,724,091.80 | $2,841,753.21 | -$1,726.52 |
| 17 | $2,705,854.14 | $2,831,365.26 | -$142.81 |
| 18 | $2,687,494.89 | $2,820,916.71 | $1,379.92 |
| 19 | $2,669,013.24 | $2,810,407.20 | $2,841.21 |
| 20 | $2,650,408.38 | $2,799,836.40 | $4,240.59 |
| 21 | $2,631,679.49 | $2,789,203.93 | $5,577.60 |
| 22 | $2,612,825.75 | $2,778,509.44 | $6,851.77 |
| 23 | $2,593,846.31 | $2,767,752.56 | $8,062.64 |
| 24 | $2,574,740.34 | $2,756,932.94 | $9,209.72 |
| 25 | $2,555,506.99 | $2,746,050.20 | $10,292.55 |
| 26 | $2,536,145.43 | $2,735,103.98 | $11,310.64 |
| 27 | $2,516,654.79 | $2,724,093.90 | $12,263.50 |
| 28 | $2,497,034.21 | $2,713,019.60 | $13,150.65 |
| 29 | $2,477,282.82 | $2,701,880.70 | $13,971.60 |
| 30 | $2,457,399.76 | $2,690,676.82 | $14,725.85 |
| 31 | $2,437,384.15 | $2,679,407.59 | $15,412.90 |
| 32 | $2,417,235.10 | $2,668,072.62 | $16,032.25 |
| 33 | $2,396,951.72 | $2,656,671.53 | $16,583.39 |
| 34 | $2,376,533.12 | $2,645,203.93 | $17,065.82 |
| 35 | $2,355,978.40 | $2,633,669.44 | $17,479.02 |
| 36 | $2,335,286.64 | $2,622,067.66 | $17,822.47 |
How this calculation works
New principal = current balance + financed fees. Compare current debt with the new loan at a common month within both maturities, including remaining balances and entered exit charges. Current payoff charges and new cash fees are paid upfront. Sustained nominal break-even is the first modeled exit month after which savings remain nonnegative through the chosen horizon.
Read the result in context
Payment relief is not the same as savings. Enter current rate-reset and payoff assumptions accurately. Future refinancing is not assumed. Flat exit charges are applied at each potential exit; change the inputs if the contract uses a declining charge.
Method version: November 3, 2026. Full precision is retained until display. USD amounts use two decimals; home-currency display also uses two decimals for comparison. Actual contracts may use other dates, rounding and interest conventions.
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