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ARM & Interest Only ARM vs. Fixed Rate Calculator

Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side.

  • Free to use here · embed on the Free plan
  • 6 inputs · 5 results
  • English & Spanish

Try the ARM & Interest Only ARM vs. Fixed Rate Calculator

Compare three mortgage types at once — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the ARM & Interest Only ARM vs. Fixed Rate calculator works out

The ARM & Interest Only ARM vs. Fixed Rate Calculator is a free, embeddable calculator from CalcFunnel. Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side.

You enter 6 inputs: loan amount, loan term (years), fixed rate (%), ARM initial rate (%), ARM fixed period (years) and ARM adjusted rate (%).

It returns fixed payment, ARM initial payment, IO ARM initial payment, ARM adjusted payment and IO ARM adjusted payment.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Fixed Payment
  2. 02ARM Initial Payment
  3. 03IO ARM Initial Payment
  4. 04ARM Adjusted Payment
  5. 05IO ARM Adjusted Payment

The first figure — fixed payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Details

Loan Amount
The total amount you plan to borrow.
Loan Term (years)
The full repayment term, applied to all three loan types.
Fixed Rate (%)
The interest rate on the fixed-rate mortgage, locked for the entire term.

ARM Terms

ARM Initial Rate (%)
The introductory rate on both ARMs during the fixed period.
ARM Fixed Period (years)
How many years the initial rate is locked before the ARMs adjust — for example, 5 on a 5/1 ARM.
ARM Adjusted Rate (%)
The estimated rate after the ARMs adjust, assumed to hold for the rest of the term.

For your website

Embed this calculator on your website

Put the ARM & Interest Only ARM vs. Fixed Rate Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

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Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

ARM & Interest Only ARM vs. Fixed Rate calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the ARM & Interest Only ARM vs. Fixed Rate Calculator calculate?
Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side. It returns fixed payment, ARM initial payment, IO ARM initial payment, ARM adjusted payment and IO ARM adjusted payment.
Q.02What information do I need to use the ARM & Interest Only ARM vs. Fixed Rate Calculator?
You enter 6 inputs: loan amount, loan term (years), fixed rate (%), ARM initial rate (%), ARM fixed period (years) and ARM adjusted rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the ARM & Interest Only ARM vs. Fixed Rate Calculator?
The total amount you plan to borrow.
Q.04What does “Loan Term (years)” mean in the ARM & Interest Only ARM vs. Fixed Rate Calculator?
The full repayment term, applied to all three loan types.
Q.05Is the ARM & Interest Only ARM vs. Fixed Rate Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the ARM & Interest Only ARM vs. Fixed Rate Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the ARM & Interest Only ARM vs. Fixed Rate Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the ARM & Interest Only ARM vs. Fixed Rate results financial advice?
No. Estimates only. ARM payments after adjustment assume the adjusted rate holds for the rest of the term; real rates move with market indexes within the loan's caps. The interest-only option defers all principal during its period. Confirm terms with your lender.

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