📈 ARM Mortgage Calculator
See how your monthly payment could change with an adjustable-rate mortgage (ARM) once the initial fixed period ends.
How an ARM works
An adjustable-rate mortgage (ARM) starts with a fixed interest rate for an initial period (commonly 3, 5, or 7 years), then adjusts periodically based on market conditions. This calculator estimates your initial payment and what your payment could look like once the rate first adjusts.
How this calculator works
Enter the loan amount, initial fixed rate, total loan term, the length of the initial fixed period, and an estimated rate after adjustment. The calculator computes your initial amortized payment, the remaining balance at the end of the fixed period, and the new estimated payment at the adjusted rate.
Actual ARM adjustments depend on your loan’s index, margin, and rate caps. This tool provides a general estimate for planning purposes only, not a loan offer.