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Biweekly Mortgage Payment Calculator to Calculate Early Payoff Savings

Calculator Preferences
Biweekly Mortgage Payment Calculator Sign
Biweekly Mortgage Payment Calculator

This calculator will calculate the bi-weekly payment and the time and interest savings that will occur if you switch from making monthly mortgage payments to paying 1/2 of your mortgage payment every two weeks. The Learn tab includes:

  • What biweekly payments are and how they save you money.
  • What to check on for before switching.
  • How you might be able to double your savings.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Mtg amt:Mortgage amount:Mortgage amount:Mortgage amount:

Mortgage amount:

Enter the new mortgage loan amount or the current pay off amount, but without the dollar sign and any commas.

Int rate:Interest rate:Annual interest rate:Annual interest rate:

Annual interest rate:

Enter the annual percentage rate (APR) of the home loan. Enter as a percentage without the percent sign (for 6%, enter 6).

# of years:Number of years:Mortgage term in years:Mortgage term in number of years:

Mortgage term in number of years:

Enter the number of years remaining in the mortgage repayment term.

Invest ROI:Invesment ROI:Expected percent return on investments:Expected percentage return on investments:

Expected percentage return on investments:

Enter the annual percentage return you expect to earn on future investments, but without the percent sign. The biweekly mortgage payment calculator will use this figure to estimate the future value of invested biweekly savings.

Comparative Results
Tap the text for a description of each row result.


The first column shows how much your monthly principal and interest payment will be. The second column shows how much your biweekly payment will be (1/2 of your monthly payment). The third column is not applicable since payments are made at different time intervals.

Mons:Mons:Months:Payoff months:

Months to pay off:

The first column shows how many months it will take to pay off the mortgage when making monthly payments. The second column shows how many months it will take you to pay off the mortgage when making biweekly payments. The third column will show you how many months sooner you will pay off the mortgage by making biweekly payments instead of monthly payments.

Cost:Cost:Interest cost:Interest cost:

Interest cost:

The first column shows how much interest you will pay if you pay off the mortgage by making monthly payments. The second column shows how much interest you will pay if you pay off the mortgage by making biweekly payments. The third column will show you how much interest you will save by making biweekly payments instead of monthly payments.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.