Adjustable-Rate Mortgage (ARM) Calculator

Simulate potential rate changes and compare ARM loans against fixed-rate options.

Currency

Loan Amount

Term (Years)

Initial Rate (%)

Fixed Period (Yrs)

Adj Frequency (Yrs)

Est. Annual Rate Increase (%)

Projected increase at each adjustment period.

Periodic Cap (%)

Lifetime Cap (%)

Lifetime Floor (%)

Compare Fixed Rate (%)

Initial Payment

Before adjustments

Worst Case Payment

$-∞

If rates hit max caps

Fixed Loan Payment

@ 6.5% fixed

Expected ARM

Worst Case

Fixed Loan

Year 0Year 15Year 30

Year	Interest Rate	Monthly Pay	Balance