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Free ARM Mortgage
Calculator
See your 5/1, 7/1, or 10/1 adjustable-rate payment during the intro period, after it adjusts, and the worst-case payment at the lifetime rate cap.
✓ No Sign Up Required
✓ 100% Private
✓ Rate Cap Stress Test
✓ vs. Fixed Comparison
Monthly Savings During the Intro Period
$0
vs. a 30-year fixed at today's rate
📅 Payment Timeline
Years 1-5 (Intro Rate)
$0/mo
After First Adjustment (Your Estimate)
$0/mo
Worst Case — Lifetime Rate Cap
$0/mo
Balance When It Adjusts
$0
💡 Total saved during the intro period: $0 compared to the fixed-rate payment over the same years.
⚠️ The "after adjustment" figure uses your own rate guess — actual ARM rates move with a published index plus a margin, and no one can reliably predict where that lands years from now. The lifetime cap is the real worst case to plan around.
How This Calculator Works
The intro payment is calculated on your ARM's starting rate over the full loan term. After the fixed period ends, the calculator computes your actual remaining balance at that point (not just a guess) and re-amortizes it over the years left on the loan — once at your own rate estimate, and once at the worst-case lifetime cap — so you can see the realistic range, not just the optimistic one.