ARM Mortgage Calculator
Calculate adjustable-rate mortgage payments with rate caps. See worst-case scenario vs fixed rate.
Initial Payment
$2,271.16
Worst-Case Payment
$3,491.98
30yr Fixed Payment
$2,594.39
ARM vs Fixed Comparison
| Initial ARM Payment | $2,271.16 |
| 30yr Fixed Payment | $2,594.39 |
| Monthly Savings (first 5 yrs) | $323.24 |
| Total Savings (first 5 yrs) | $19,394.18 |
| First Adjustment Rate | 7.25% |
| First Adjustment Payment | $2,673.25 |
| Worst Case Rate (lifetime cap) | 10.50% |
| Worst Case Payment | $3,491.98 |
Rate Adjustment Schedule
| Initial (Years 1-5) | $2,271.16 |
| Year 6 — 7.25% | $2,673.25 |
| Year 7 — 7.25% | $2,713.18 |
| Year 8 — 7.25% | $2,757.47 |
| Year 9 — 7.25% | $2,806.71 |
| Year 10 — 7.25% | $2,861.64 |
Use the ARM Mortgage Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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