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Adjustable Rate Calculator

Project payments through an ARM's initial fixed period and first adjustment.

Reviewed by the KakouCalc editorial team · Updated July 2026

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%
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Initial Payment
$1,610.46
Balance at Adjustment
$275,486.20
Payment After Adjustment
$1,947.08
Payment Change
$336.61
Initial Period
5 yrs
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How to use the Adjustable Rate Calculator

The Adjustable Rate Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.

The inputs it asks for:

  • Loan Amount — a dollar amount.
  • Initial Rate — a percentage (enter 6 for 6%).
  • Initial Fixed Period (yrs) — a number.
  • Rate After Adjustment — a percentage (enter 6 for 6%).
  • Total Term (Years) — a number.

Worked example

Using the example values — Loan Amount $300,000.00, Initial Rate 5%, Initial Fixed Period (yrs) 5, Rate After Adjustment 7%, Total Term (Years) 30 — the Adjustable Rate Calculator returns a Initial Payment of $1,610.46. It also reports Balance at Adjustment ($275,486.20), Payment After Adjustment ($1,947.08), Payment Change ($336.61).

Prefer your own numbers? Change any field above and this recomputes instantly.

Educational information, not financial advice. See our methodology for how these tools are built and checked.