Real Estate & Mortgage
ARM 5/1 & 7/1 Mortgage
Estimate payments before and after an adjustable-rate mortgage's fixed period resets.
Your inputs
Change any value to update the result instantly.
Payment after first reset
2,733.1028
Intro payment
2,271.156
Balance at reset
3,69,842.414
Payment increase
461.9468
New rate
7.5%
Assumes the rate adjusts once by the entered cap at the first reset; real ARMs adjust periodically within index and lifetime caps.
Estimated balance over time
| Period | Input / invested | Calculated value |
|---|---|---|
| 1 | 91,685.5784 | 3,28,530.6477 |
| 2 | 1,83,371.1568 | 2,53,029.8621 |
| 3 | 2,75,056.7353 | 1,73,270.2387 |
| 4 | 3,66,742.3137 | 89,011.5457 |
| 5 | 4,58,427.8921 | 0 |
| 6 | 32,797.2337 | 3,64,605.7819 |
| 7 | 65,594.4675 | 3,58,962.6164 |
| 8 | 98,391.7012 | 3,52,881.3574 |
| 9 | 1,31,188.9349 | 3,46,327.9943 |
| 10 | 1,63,986.1687 | 3,39,265.8767 |
| 11 | 1,96,783.4024 | 3,31,655.5086 |
| 12 | 2,29,580.6361 | 3,23,454.3278 |
| 13 | 2,62,377.8699 | 3,14,616.468 |
| 14 | 2,95,175.1036 | 3,05,092.5022 |
| 15 | 3,27,972.3373 | 2,94,829.1661 |
| 16 | 3,60,769.5711 | 2,83,769.0607 |
| 17 | 3,93,566.8048 | 2,71,850.3305 |
| 18 | 4,26,364.0385 | 2,59,006.3182 |
| 19 | 4,59,161.2723 | 2,45,165.192 |
| 20 | 4,91,958.506 | 2,30,249.5431 |
| 21 | 5,24,755.7397 | 2,14,175.9537 |
| 22 | 5,57,552.9735 | 1,96,854.5297 |
| 23 | 5,90,350.2072 | 1,78,188.3986 |
| 24 | 6,23,147.4409 | 1,58,073.1672 |
| 25 | 6,55,944.6747 | 1,36,396.3381 |
| 26 | 6,88,741.9084 | 1,13,036.6804 |
| 27 | 7,21,539.1421 | 87,863.5518 |
| 28 | 7,54,336.3758 | 60,736.1678 |
| 29 | 7,87,133.6096 | 31,502.8145 |
| 30 | 8,19,930.8433 | 0 |
Formula and working
Fixed-rate payment for the intro period, then recalculated at the adjusted rate for the remaining term
- 1
Collect the inputs
Loan amount = 400,000; Intro (fixed) rate = 5.5 %; Fixed period = 5; Total term (years) = 30 years; Rate increase at first reset = 2 %
- 2
Apply the formula
Fixed-rate payment for the intro period, then recalculated at the adjusted rate for the remaining term
- 3
Result
Payment after first reset = 2,733.1028
Frequently asked questions
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
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