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Teaser Calculator

See the real cost of low introductory mortgage rates

Use our Teaser Rate Calculator to compare payments during the low teaser period vs. after reset.

$100K–$2M
1%–6%
1–120 months
3%–12%
10–40 years

Enter loan details to see payment shock

How teaser rate mortgages work and why they’re risky.

Teaser Period

Low intro rate

1–5 years

Reset

Rate jumps

Payment shock

ARM

Adjustable Rate Mortgage

Index + Margin

Warning: Teaser rates can lead to payment shock and foreclosure.

Teaser Calculator: See the Real Cost of Low Intro Rates

Use our Teaser Calculator to estimate monthly payments during the teaser period and after the rate resets. Avoid payment shock.

Warning: Teaser rates are temporary. Payments can increase 50%+ after reset.
"The teaser rate is the bait. The reset is the trap." — Mortgage Truth

How the Teaser Calculator Works

Our Teaser Rate Calculator uses standard amortization:

  • Teaser Payment: Based on intro rate & term
  • Full Payment: Based on reset rate & remaining term
  • Payment Shock: % increase after reset
  • Total Interest: Over full loan

Key Metrics from the Teaser Calculator

  • Teaser Payment (red)
  • After Reset Payment
  • Payment Increase
  • Interest Savings vs. Fixed

Why Use This Teaser Calculator?

  • Realistic ranges
  • Payment shock alert
  • ARM simulation
  • Mobile-optimized
  • Free & instant

Real Teaser Calculator Examples

  • $400K Loan, 2.5% for 3 yrs → 7.5%: $1,580 → $2,800 (+77%)
  • $600K, 3% for 5 yrs → 8%: $2,300 → $4,400 (+91%)
  • Interest-Only Teaser: Even higher shock

Get Started with the Teaser Calculator

  1. Enter Loan Amount
  2. Set Teaser Rate & Period
  3. Input Full Rate
  4. View Payment Shock
  5. Consider Fixed Rate

Calculate Your Teaser Rate Risk Now

The Teaser Rate Calculator reveals the truth. Start now.

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