One honest number a person can act on: runway through the date that matters, who owes you, and which debt to kill first.

Is refinancing this loan worth it?

Current rate vs offered rate on your balance. Interest saved, new payment, break-even.

Interest saved over the payoff

$2,493

New payment ≈ $267 · paid off in ~60 months

Email me this math + the questions to ask the lender

Your numbers, written up with what to do next. No spam: a handful of notes, then quiet.

The question this tool can't answer

Which of your other loans would refinancing help most?

Myya Money watches this every day: runway, who owes you, what your debt costs. It tells you before it bites.

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