Mortgage Rate Tracker

We tell you when to refinance your mortgage.

Refi Scout is a mortgage rate tracker that watches rates every single day and sends you a refinance alert the moment it makes financial sense for your loan.

Download on the App Store
See how it works ↓

7-day free trial  ·  No credit card required  ·  Your data stays on your phone

⭐⭐⭐⭐⭐ App Store Rating

Rate Data Powered By

🏛 Data via FRED
🏠 Verified by Freddie Mac
📊 30-Year · 15-Year · ARM

Refi Scout is for informational purposes only and does not constitute financial advice. Always consult a licensed mortgage professional before making refinancing decisions.

Featured on LaunchIgniter Refi Scout — Mortgage Refinance Alerts - Know when to refinance your mortgage. That's it. | Product Hunt
0M
homeowners now refinance-eligible
Source: ICE Mortgage Technology, 2026
$0
average monthly savings from refinancing
Based on national rate averages
$0
interest typically saved on a $500k loan by a 0.5% rate drop
Based on 30-year fixed rate calculations

The Problem

Most homeowners miss their best chance to refinance.

Mortgage rates change every week. Most homeowners only think about refinancing when a lender calls — and not at the optimal moment. Our mortgage refinance tracker watches rates for you, so you never have to.

The difference between refinancing at 6.4% and 5.9% on a $500k loan is over $150 a month. That's $1,800 a year, every year, for the life of your loan. Knowing exactly when to refinance your mortgage is worth real money. Let's save you some.

How It Works

Set it up in 60 seconds. We do the rest.

Step 01

Add your mortgage

Enter your current mortgage rate, loan balance, and term. Refi Scout builds your personal refinance profile in under a minute.

Step 02

We watch rates daily

Our mortgage rate tracker pulls live data from the Federal Reserve every day — the same source used by financial institutions nationwide.

Step 03

Get alerted when it matters

You get a refinance alert only when the numbers actually make sense for your specific loan — rate drop, monthly savings, and break-even all checked automatically.

See Your Savings

Free Mortgage Refinance Calculator

See how much you could save by refinancing. Enter your current rate and loan balance — our mortgage refinance calculator shows your monthly savings, annual savings, and break-even timeline in real time.

Source: Federal Reserve, updated weekly
Monthly savings
$0
Annual savings
$0
10-year savings
$0
Your Savings Potential

Calculations based on a 30-year fixed mortgage. The app also supports 15-year fixed and ARM loans.

Want these calculations done automatically for your mortgage? Refi Scout tracks rates and alerts you when the math works in your favor.

Very simple. Very effective.

Custom alerts

Set your own refinance alert thresholds — minimum rate drop percentage, monthly savings target, and break-even timeline. Our mortgage rate tracker only notifies you when all your conditions are met.

12 months of rate history

See 12 months of mortgage rate history for 30-year fixed, 15-year fixed, and 5/1 ARM loans. Understand where rates have been to make a smarter refinancing decision.

Multiple properties

Track every home you own with one mortgage refinance tracker. Each property gets its own savings calculation, Refi Score, and independent alert settings.

Your mortgage data never leaves your phone.

We built Refi Scout — a mortgage refinance tracker — with privacy as the foundation, not an afterthought.

Stored on your device

All mortgage data is stored locally using Apple's SwiftData. We never see it.

No account required

No username, no password, no profile. Just your mortgage details, private on your phone.

Independent rate data

Rates come from the Federal Reserve — not a lender. We have no incentive to push you toward refinancing.

The only thing we know about you is your email address, used solely to send you rate alerts. We never sell it.

Pricing

The biggest ROI app on your phone.

Start free for 7 days. Cancel anytime.

Monthly
$6.99 /month
 
  • All features included
  • Unlimited properties
  • Custom alert thresholds
  • Rate history charts
Start Free Trial
BEST VALUE
Annual
$39.99 /year
Just $3.33/month
  • All features included
  • Unlimited properties
  • Custom alert thresholds
  • Rate history charts
  • Save 52% vs monthly
Start Free Trial
Lifetime
$99.99 one time
 
  • All features included
  • Unlimited properties
  • Custom alert thresholds
  • Rate history charts
  • Never pay again
Buy Once, Own Forever

Less than one month of potential savings

All plans include a 7-day free trial on monthly and annual. No payment until your trial ends.

Common questions

Refinancing your mortgage generally makes sense when you can lower your rate by at least 0.5%, your monthly savings exceed your closing costs within 24 months, and you plan to stay in your home long enough to recoup those costs. Refi Scout's mortgage refinance calculator runs all three checks automatically for your specific loan and sends you a refinance alert when the conditions are right.
It depends on your loan balance and closing costs. On a $400,000 loan, a 0.5% rate drop saves roughly $100–130 per month. If your closing costs are $12,000, you'd break even in about 8–10 years. For larger loans or lower closing costs, 0.5% can absolutely be worth refinancing. Use our mortgage refinance calculator above to see the exact numbers for your situation.
Your refinance break-even point is calculated by dividing your total closing costs by your monthly savings. For example, if your closing costs are $10,000 and you'd save $200 per month, your break-even point is 50 months — just over 4 years. Refi Scout's mortgage break-even calculator does this automatically and factors it into your Refi Score.
With 30-year fixed rates currently around 6%, homeowners who locked in rates above 6.5% in 2022–2023 may find refinancing worthwhile — especially as rates are forecast to continue declining through 2026. The right time to refinance depends on your specific rate, loan balance, and how long you plan to stay in your home. Refi Scout monitors your personal situation daily and sends a refinance alert when your moment arrives.
Refi Scout pulls mortgage rate data from the Federal Reserve Economic Data (FRED) API, which updates every Thursday. This is the same data used by economists and financial institutions nationwide — not a lender estimate. Your mortgage rate tracker checks for updates daily and re-evaluates your properties each time rates change.
The Refi Score (0–100) is Refi Scout's measure of how beneficial refinancing would be right now for your specific loan. It weighs three factors: how much lower current rates are than yours (40 points), your potential monthly savings (30 points), and how quickly you'd recoup closing costs (30 points). A score above 60 is generally worth exploring with a lender. Your Refi Score updates automatically every time mortgage rates change.

The Refi Score is for informational purposes only and does not constitute financial advice. Always consult a licensed mortgage professional before making refinancing decisions.
Yes. All mortgage data you enter — loan balance, interest rate, property details — is stored exclusively on your iPhone using Apple's SwiftData framework. It never leaves your device and is never transmitted to Refi Scout or any third party. The only personal information we collect is your email address to send refinance alerts. We never sell or share it.
Yes. Refi Scout supports 30-year fixed, 15-year fixed, and 5/1 ARM mortgages. ARM holders often have the most to gain from refinancing into a fixed rate when rates drop. Our mortgage rate tracker monitors the appropriate rate index for each loan type and sends a refinance alert when switching to a fixed rate would save you money.

This app does one thing.

Join homeowners using Refi Scout — the mortgage refinance tracker that tells you exactly when to act.

Download on the App Store

7-day free trial  ·  Then $39.99/year  ·  Cancel anytime