ARM Rate Reset Calculator

See how your monthly mortgage payment changes when your adjustable-rate mortgage resets to a new index rate.

$
%
%
yrs

ARM resets occur when the initial fixed-rate period ends (e.g. 5/1, 7/1 ARM). The new rate = index (typically SOFR or CMT) + lender margin, subject to periodic caps (usually +2% per adjustment) and lifetime caps (typically +5% over start rate). This calculator uses a direct before vs after comparison without cap constraints; check your note for actual caps. Consult your lender for the precise reset date and adjustment limit.