Privacy-first. Your data stays in your browser.
All calculations are done locally in your browser.
We estimate payments across periods using your ARM intro rate, adjustment schedule, rate caps, and lifetime cap, and compare against a fixed-rate loan with the same term.
If you plan to sell or refinance before adjustments push the ARM rate higher, the lower intro rate may save money. Time horizon and caps are key.
The calculator applies periodic and lifetime caps to model worst-case paths. Check the lifetime cap scenario to understand maximum payment risk.
See Refinance Break-Even, Mortgage Points Break-Even, and PMI Drop to round out your mortgage plan.