Good Debt
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Tools

Free tools that do the math most lenders skip.

Both tools are built and maintained by us. No signup walls, no email gates, no upsell after the result.

Live · v3.2

RefiWatch

Plug in your existing loan and RefiWatch tracks live wholesale rates against your break-even math every day. You get a single answer: does refinancing make sense for me, today?

  • True break-even, not a marketing one
  • Daily refresh against wholesale sheets
  • Email alert when your trigger hits
  • Accounts for fees, not just rate
Your refi position
Updated this morning
Worth it
$93,420lifetime
▲ $317/mo · Break-even in 11 months
Current payment$2,847/mo
Projected payment$2,530/mo
Closing costs$3,840
Net 5-yr savings$18,210
Quote review · 3 lendersCompared
A
Apex Mortgage
30-yr fixed · 0.5 pts
$2,463/mo
$3,840 fees
N
Northwood Lending
30-yr fixed · 0 pts
$2,561/mo
$2,940 fees
B
BlueBank Direct
30-yr fixed · 1 pt · 2 flags
$2,661/mo
$5,210 fees
Live · public

Keep Lenders Honest

Paste any quote from any lender, any state. KLH benchmarks rate, fees, and APR against today's wholesale market and flags the line items that shouldn't be there. The methodology is published.

  • Loan Estimate or rate sheet, both work
  • Itemized flags with dollar impact
  • Live wholesale benchmark, daily
  • No, you don't have to share it with us
In development

PaymentComfort

What your monthly will feel like, not just calculate to. Built around your actual spending, not a mortgage calculator’s assumptions.

Your comfort zone
Monthly gross income
Fixed expenses
Lifestyle spending
Mortgage comfort band
$2,840/mo feels right
Coming soon

Tools first. Calls second.

Run the math yourself. If you want someone to run your actual numbers, the session is free.

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