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A refinance mortgage calculator is a free online financial tool that will help you in determining how much it will cost you to refinance your home and whether it is a good idea in the first place.  The way to use it is just like how you utilize a regular calculator. 

Put in the necessary digits on the right panels then wait for the calculations to appear on the screen.  All you need to do is to wait a few moments and you will have the numbers that you need to decide whether you should refinance your home or not.  Just make sure the payment retrieved by your refinance mortgage calculator is one that you can afford to make for the long term.