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📅 Biweekly Mortgage Calculator
Biweekly mortgage payments — paying half your monthly every 2 weeks — give you 26 half-payments = 13 monthly equivalents per year (vs 12). The extra goes to principal. Typically shaves 4-7 years and tens of thousands in interest from a 30-year.
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Examples
$400k @ 7%, 30 years
Output
Monthly: 30 yrs, $558k interest. Biweekly: 23 yrs, $431k interest. Save $127k.Frequently asked questions
Lender support?
Some yes, some no. If not, manually add 1/12 of monthly as extra principal each month — same effect.
Any fees?
Many charge for biweekly automation. DIY (extra principal monthly) is free and equivalent.
About this calculator
Biweekly Mortgage Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- 🔄 Mortgage Refinance Calculator — Should you refinance? Break-even months from rate drop + closing costs.
- 💳 Loan Amortization — Monthly payment, total interest, and full payment schedule for any loan.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |