APR Calculator for Adjustable Rate Mortgages

Use this calculator to determine the Annual Percentage Rate (APR) of your Adjustable Rate Mortgage (ARM). Knowing your APR helps you compare loans with different fees and terms.

Loan Information

Mortgage Amount *

Term in Years *

Starting Interest Rate *

ARM Adjustments

Current Index *

Base market rate

Margin *

Added to index

Months Before 1st Adjustment *

e.g., 60 for a 5/1 ARM

Months Between Adjustments

Max Adjustment (Cap)

Max change per period

Closing Costs & Fees

Fees are required to calculate the difference between Interest Rate and APR.

Loan Origination Fee

Discount Points

Other Fees

Starting Payment

$0.00

Fixed Period

Fully Indexed Payment

$0.00

After Adjustments

Total Closing Costs

$0.00

Paid Upfront

Total Payments

$0.00

Total Interest

$0.00

Principal Balance by Year

Year	Interest Rate	Monthly Payment	Principal Paid	Interest Paid	Ending Balance