Adjustable-Rate Mortgage (ARM) Calculator

Adjustable-Rate Mortgage (ARM) Scenario Calculator

Loan Scenario Label (Optional):

Currency (e.g., USD, INR):

Loan Principal Amount:

Overall Loan Term (Years):

Payments per Year:

Loan Start Date:

Comparable Fixed Annual Interest Rate (%): Enter a fixed rate for comparison against the ARM scenario.

Initial ARM Annual Interest Rate (%):

Initial Fixed-Rate Period (Years):

Adjustment Frequency After Initial Period (Years):

Periodic Rate Adjustment Cap (±% per adjustment): Max change from previous rate, e.g., 2 for ±2%.

Lifetime Maximum Interest Rate Cap (%): The absolute highest rate the loan can reach.

Lifetime Minimum Interest Rate Floor (%): The absolute lowest rate (often the initial rate or a set floor).

Enter your *expected* interest rates for adjustment periods. The calculator will apply the caps based on your ARM structure.

Expected Rate at 1st Adjustment (%):

Expected Rate at 2nd Adjustment (%):

Expected Rate at 3rd Adjustment (%):

Expected Rate for ALL Subsequent Periods (%):