Refinance It? -for Windows 3.1   
by Bent Tree Software   

When current mortgage interest rates are 2 or more percentage
points below your existing rate, it may be advisable to refinance
your existing mortgage.
This analysis shows whether it is to your advantage to refinance
depending on the number of years you expect to live in your
present home, the interest rate spread, closing costs and your tax
bracket is included in the analysis.