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Adjustable Rate Mortgage (ARM) Calculator

ARMs start with a lower teaser rate, then adjust. See exactly how your payment could change and compare against a fixed-rate mortgage.

ARM Loan Details
Home Price
$
Down Payment
$
ARM Type
5/1 = Fixed for 5 years, then adjusts every 1 year
Initial ARM Rate (teaser)
%
Expected Rate After Adjustment ⓘ
%
Rate Cap (lifetime max) ⓘ
%
Compare Against Fixed
30-Year Fixed Rate
%
First 5 Years: ARM Saves You
$0
But could cost more after the fixed period
Payment Comparison
ARM (Initial Period)
Initial Monthly P&I$0
After Adjustment$0
Worst Case (at cap)$0
Total Interest (est.)$0
30-Year Fixed
Monthly P&I$0
Never Changes✓ Fixed forever
Total Interest$0
📈 Payment Projection Over 30 Years
The ARM payment stays low during the fixed period (shaded green), then jumps when the rate adjusts. The fixed-rate payment stays flat for 30 years.
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⚠️ ARM Risk Assessment
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🏠 Mortgage Calculator

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📅 15 vs 30 Year

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🔄 Refinance

Refinance your ARM to fixed