Start free

Mortgage & Home Loans · Adjustable Rate (ARM)

ARM Calculator

Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts.

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

Try the ARM Calculator

Estimate an adjustable-rate mortgage — results update as you type.

Loading the live calculator…

Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the ARM calculator works out

The ARM Calculator is a free, embeddable calculator from CalcFunnel. Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts.

You enter 5 inputs: loan amount, initial rate (%), loan term (years), fixed period (years) and adjusted rate (%).

It returns initial payment, payment after adjustment, payment change, balance at adjustment and loan amount.

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. 01Initial Payment
  2. 02Payment After Adjustment
  3. 03Payment Change
  4. 04Balance at Adjustment
  5. 05Loan Amount

The first figure — initial 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 are borrowing from the lender.
Initial Rate (%)
The fixed interest rate that applies during the initial period of the ARM before any adjustments.
Loan Term (years)
The total number of years over which the loan is scheduled to be repaid.

Rate Adjustment

Fixed Period (years)
How many years the initial rate is locked in before the loan starts adjusting — for example, 5 on a 5/1 ARM.
Adjusted Rate (%)
The new interest rate after the fixed period ends, used to estimate what your payment could become.

For your website

Embed this calculator on your website

Put the ARM 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 calculator FAQs

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

Q.01What does the ARM Calculator calculate?
Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts. It returns initial payment, payment after adjustment, payment change, balance at adjustment and loan amount.
Q.02What information do I need to use the ARM Calculator?
You enter 5 inputs: loan amount, initial rate (%), loan term (years), fixed period (years) and 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 Calculator?
The total amount you are borrowing from the lender.
Q.04What does “Initial Rate (%)” mean in the ARM Calculator?
The fixed interest rate that applies during the initial period of the ARM before any adjustments.
Q.05Is the ARM 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 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 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 results financial advice?
No. Estimates only. Your actual adjusted payment depends on market indexes and the loan's rate caps at the time it resets. Confirm terms with your lender.

Related mortgage & home loans calculators

All 43 in Mortgage & Home Loans

Your website does the math. You get the lead.

The ARM Calculator is one of 188 calculators you can brand and embed with one line of code.

Start free Compare plans
  • Free plan, no card
  • 14-day trial on Pro & Business
  • Cancel any time