ARM vs Fixed Rate Calculator

Compare adjustable-rate and fixed-rate mortgages

Loan Amount ($)

Loan Term (years)

Fixed Rate (%)

ARM Initial Rate (%)

ARM Fixed Period (years)

Annual Cap (%)

Lifetime Cap (%)

Expected Annual Rate Increase (%)

Years to Compare

Better Option Over 10 Years

ARM Saves Money

by $11,078

Fixed Monthly Payment

$2,661

ARM Initial Payment

$2,398

Initial Period Savings (ARM)

$15,780

ARM Worst-Case Rate

11.00%

ARM Worst-Case Payment

$3,809

Fixed Rate:$319,345

ARM (projected):$308,267

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MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.