Finance Tools
ARM Rate Adjustment Impact Calculator
Estimate how an adjustable-rate mortgage (ARM) rate reset changes your monthly payment, including caps and adjustment size.
ARM payments can change when your rate adjusts. Enter your current rate and an expected new rate to estimate the monthly payment impact. Optional caps help model capped reset scenarios.
How to use this arm rate adjustment impact calculator
- Enter your loan amount, term, and current ARM rate.
- Enter the expected rate after the next adjustment (or enter the index change + margin effect as a single new rate).
- Optional: enter a per-adjustment cap and lifetime cap to see capped scenarios.
- Click Calculate to see the payment change at the reset.
Example
Suppose your ARM is about to reset and you want to estimate the payment impact.
- Loan amount: $300,000, term: 30 years
- Current rate: 5.50%
- Expected new rate: 7.25%
- Per-adjustment cap: 2.00%, lifetime cap: 5.00%
- This tool shows the payment change with and without caps.
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