What is the break-even point for the first loan, assuming that the original loan length is 30 Years? what is the excel formula to find the break-even point?

Loan Amount Intrest Number of Payments Made Mortgage Payment Monthly Payment Savings Total Savings for Refinance Total Paid 'Old Payment' Paid to Date on 'Old Payment' (P+1) Total Paid 'New Payment' Difference $970,800.00 4.50% 0 $1,770,804.36 $1,770,804.36 $0.00 Loan Amount Cost of New Loan to Rolled Interest Mortgage Payment New Payment $0.00 3.75%