ARM Reset Countdown Calculator

Adjustable-rate mortgages reset to a fully-indexed rate when the fixed period ends — and the payment jump can be steep. Enter your loan, your reset rate, and how many months you have left to see exactly what the jump costs and whether locking a refi today beats riding past the reset.

Payment jump at reset
+$907/mo
vs. your current payment
Time left
14 months
Plan now
$
%
%

your fully-indexed rate — check your ARM disclosure

mo
Advanced options
yr
%
yr

In 14 months your payment jumps from $2,226 to $3,133.

Current payment$2,226/mo
Payment after reset$3,133/mo
Refi payment if you lock today$2,794/mo
Refinancing now avoids$339/mo
Cost of riding past reset$4,063/yr
Plan now

You're in the sweet spot: enough runway to shop, close enough that waiting risks the jump.

We'll watch rates and remind you at the right time before your reset — with the live math.

One email when it's worth acting — no spam, unsubscribe anytime.

Beat the reset

Lock a rate before the jump hits your payment. Get a no-obligation refi quote from a lender — based on the numbers you just ran. Just your email; we'll handle the rest.

By submitting you agree to be contacted about financing. Rentway may receive compensation if you close a loan with a partner lender. Not a loan commitment or offer of credit.

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