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Understanding Bi-weekly payment mortgage calculators

Are you looking to pay off your mortgage sooner without additional lump sum payment? Your lender allows you to pay a certain percentage once or twice in a year. Usually, the lender allows 20% of the principal. For example, your principal amount sums up to 0,000. You can pay up to ,000 of additional lump sum payment. Sometimes, lump sum payment can be hard on your pocket. You might consider bi-weekly mortgage payment. In a bi-weekly plan, you make additional lump sum payment on a regular basis on a smaller amount.

You pay every two weeks rather than every month. You make 12 payments for monthly payment in a year, while you make 26 payments for bi-weekly payment in year. Since you make more payment, you put more money to reduce the total mortgage amount. For example, you pay ,000 per month in a monthly payment plan. In a bi-weekly payment plan, you pay 0 every two weeks.

Let's put what we learn to work. To calculate your bi-weekly payment, calculate your monthly payment. Divide your monthly payment by 2. Suppose you want to know the monthly payment for a 30 year mortgage for 0,000 at 5% interest rate. Rate equals .00417 which is interest rate divide by twelve months, while number of payments equals 360 (30 years X 12 months). You pay 2.62 every two weeks.

Here is the actual bi-weekly payment mortgage calculation:
= ([P(1 + r)nr]/[(1 + r)n - 1])/2
= ([0,000(1 + 0.00417)360 0.00417] / [(1 + 0.00417)360 - 1])/2
= (2797.92 / 3.47) / 2
= 402.62

Since you pay 2.62 every two weeks, you save 4 years 9 months, and ,767.44.

About the Author: Dennis Estrada is a webmaster of Mortgage Calculators which calculate the mortgage payments, and compare different interest rates.

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