Mortgage Calculators

Adjustable Rate Mortgage Calculator

An ARM starts with a low fixed rate that later adjusts. See your initial payment and what it becomes once the rate resets.

Inputs

Loan amount

Loan term (years)

Initial rate

Initial fixed period (years)

Estimated rate after adjustment

Estimates only. Change any value to recalculate instantly.

Initial monthly payment $1,816.92 adjusts to $2,186.48 after 5 years

Initial payment $1,816.92

Payment after reset $2,186.48 +$369.56/mo

Balance at adjustment $295,874

Rate change 5.50% → 7.50%

Payment before vs after reset

Initial payment $1.8k
Increase at reset $370

Loan balance Balance

An ARM saves money during the fixed period but exposes you to higher payments when it adjusts. Here the payment changes by $369.56 a month — make sure you could afford the reset, or plan to sell or refinance first.

Balance & payment by year (rate resets at year 5)View table

Year	Monthly payment	Balance
1	$1,816.92	$315,689
2	$1,816.92	$311,135
3	$1,816.92	$306,325
4	$1,816.92	$301,243
5	$1,816.92	$295,874
6	$2,186.48	$291,685
7	$2,186.48	$287,170
8	$2,186.48	$282,305
9	$2,186.48	$277,062
10	$2,186.48	$271,413
11	$2,186.48	$265,324
12	$2,186.48	$258,763
13	$2,186.48	$251,693
14	$2,186.48	$244,074
15	$2,186.48	$235,863
16	$2,186.48	$227,015
17	$2,186.48	$217,480
18	$2,186.48	$207,205
19	$2,186.48	$196,132
20	$2,186.48	$184,200
21	$2,186.48	$171,341
22	$2,186.48	$157,484
23	$2,186.48	$142,551
24	$2,186.48	$126,459
25	$2,186.48	$109,117
26	$2,186.48	$90,429
27	$2,186.48	$70,291
28	$2,186.48	$48,589
29	$2,186.48	$25,202
30	$2,186.48	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.