Should I Pay Points To Lower Interest Rate ?

Input Information
Loan Information
Amount : ($)
Interest Rate : (%)
Interest Rate with Points : (%)
Length : (Yrs)
Additional Information
Points : (%)
Your Savings Rate : (%)
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Financial Analysis
  Without Points With Points
Amount Financed : $500,000.00 $500,000.00
Monthly Principal and Interest : $2,684.11 $2,430.52
Monthly Payment Savings : $253.59
Points Value : $5,000.00
Monthly Investment Savings : $20.83
True Monthly Savings : $232.76
Break Even : 1 Years 10 Months