Refinance now or wait?

Loan balance ($)Current rate (%)Months until the open windowPrepayment cost today (% of balance)New loan rate (%)Closing costs (% of loan)Shown for reference. You pay them on either path, so they don't change the answer.

Prepayment cost today–

Interest saved per month–

Saved before the window–

Months to earn back the penalty–

Verdict–

Estimates only, not a loan quote.