Mortgage Points Calculator (11b) Break-Even Period on Adjustable-Rate Mortgages Who This Calculator is For: Borrowers who want to know whether they will save or lose money over a specified period by paying points in order to reduce the interest rate on an ARM. What This Calculator Does:This calculator shows the costs and benefits of paying points to reduce the rate on an ARM, and the minimum period they must hold an ARM before it makes sense to pay additional points (the "break-even period").