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ARM vs. Fixed-Rate Mortgage Calculator

Compare an adjustable-rate mortgage against a fixed-rate loan over the full term.

  • Free to use here · embed on the Free plan
  • 6 inputs · 7 results
  • English & Spanish

Try the ARM vs. Fixed-Rate Mortgage Calculator

Compare ARM and fixed-rate options — 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 vs. Fixed-Rate Mortgage calculator works out

The ARM vs. Fixed-Rate Mortgage Calculator is a free, embeddable calculator from CalcFunnel. Compare an adjustable-rate mortgage against a fixed-rate loan over the full term.

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

It returns lifetime savings with ARM, ARM initial payment, ARM adjusted payment, fixed payment, ARM total cost and fixed total cost, plus 1 more figure.

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. 01Lifetime Savings with ARM
  2. 02ARM Initial Payment
  3. 03ARM Adjusted Payment
  4. 04Fixed Payment
  5. 05ARM Total Cost
  6. 06Fixed Total Cost
  7. 07Lower Lifetime Cost

The first figure — lifetime savings with arm — 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 both the fixed loan and the ARM.
Fixed Mortgage Rate (%)
The interest rate on the fixed-rate mortgage, locked for the entire term.

ARM Terms

ARM Initial Rate (%)
The lower introductory rate on the ARM during its fixed period.
ARM Fixed Period (years)
How many years the ARM's initial rate is locked before it adjusts — for example, 5 on a 5/1 ARM.
ARM Adjusted Rate (%)
The estimated rate after the ARM adjusts. The comparison assumes this rate holds for the rest of the term.

For your website

Embed this calculator on your website

Put the ARM vs. Fixed-Rate Mortgage 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.

Start free How embedding works

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 vs. Fixed-Rate Mortgage calculator FAQs

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

Q.01What does the ARM vs. Fixed-Rate Mortgage Calculator calculate?
Compare an adjustable-rate mortgage against a fixed-rate loan over the full term. It returns lifetime savings with ARM, ARM initial payment, ARM adjusted payment, fixed payment, ARM total cost and fixed total cost, plus 1 more figure.
Q.02What information do I need to use the ARM vs. Fixed-Rate Mortgage Calculator?
You enter 6 inputs: loan amount, loan term (years), fixed mortgage 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 vs. Fixed-Rate Mortgage Calculator?
The total amount you plan to borrow.
Q.04What does “Loan Term (years)” mean in the ARM vs. Fixed-Rate Mortgage Calculator?
The full repayment term, applied to both the fixed loan and the ARM.
Q.05Is the ARM vs. Fixed-Rate Mortgage 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 vs. Fixed-Rate Mortgage 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 vs. Fixed-Rate Mortgage 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 vs. Fixed-Rate Mortgage results financial advice?
No. Estimates only. The ARM total assumes the adjusted rate holds for the rest of the term; real ARM rates move with market indexes within the loan's caps. Confirm terms with your lender.

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