Finance Tools

ARM Mortgage Calculator

Estimate your monthly payment during the introductory ARM period and after the rate adjusts.

See how your monthly payment changes between the introductory ARM period and after the rate adjusts.

Loan amount ($)

Intro rate (%)

Intro period (years)

Rate after adjustment (%)

Total term (years)

How to use this arm mortgage calculator

Enter the loan amount you plan to borrow.
Enter the introductory interest rate and how many years that intro rate will last.
Enter the interest rate after the adjustment period and the total loan term in years.
Click Calculate to see your estimated monthly payment during the intro period and after the rate adjusts.

For example, if you borrow $400,000 with a 5-year ARM at 4.5% that adjusts to 7.0% afterward on a 30-year term, this calculator will show:

Your monthly payment during the first 5 years at the intro rate.
The remaining principal at the end of the intro period.
Your new monthly payment after the rate adjusts to 7.0%.
How much more you’ll pay per month after the adjustment, helping you decide if an ARM fits your risk tolerance.