---
title: Excel Model - Fixed vs Variable Breakeven
description: This video shows how to use a free Excel model from this site to assess breakevens between fixed and variable rate bonds.
---

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# Using the Fixed vs Variable Breakeven Excel Model

This video walks through how to use the free Excel Fixed vs Variable Breakeven model from Intuitive Analytics Resources. This model helps determine not just the *level* that variable rates need to be in order to breakeven with current fixed rate financing, but also the *speed* or rate at which they'd need to get there. This type of analysis is invaluable when a borrower's wrestling with the age old question, "fixed or floating"?

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