Biweekly Mortgage Calculator

Paying half your mortgage every two weeks makes 26 half-payments a year — one extra full payment — which shortens the loan and cuts total interest.

Your details

Loan amount$Interest rate%Loan term

Interest saved

$73,665.36

Years saved: 5.42
Biweekly payment: $899.33
Standard monthly payment: $1,798.65

Interest saved

Interest (biweekly): $273,849.2179%
Interest saved: $73,665.3621%

Interest saved$73,665.36

Formula

26 biweekly half-payments equal 13 monthly payments per year. The extra payment goes straight to principal, so the balance amortizes faster.

Sources & methodology

•CFPB — mortgage basics — CFPB

Last updated: 2026-07-20

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