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Bi-Weekly Payments

The most searched payoff strategy in America. Browse the bi-weekly math for every loan size and rate — then check your own numbers in the calculator.

Free calculators for everyone — the 5–7 Year Alternative serves USA residents only.

Featured alternative

The 5–7 Year Alternative

Pay off your mortgage in 5–7 years instead of 30. *With qualification.

See if you qualify →

For USA residents only.

“Saving a $100k in interest!”
“We were looking at 14 years on our mortgage it went down to four years. We're gonna go ahead and probably pay off a loan within the next, 90 days or so. We'll probably end up saving a hundred thousand dollars in interest!”
Lynn Markham — Business Owner ★★★★★

How it works

Instead of one monthly payment, you pay half the monthly amount every two weeks. That adds up to 26 half-payments per year — the equivalent of 13 full monthly payments instead of 12. The extra payment goes straight to principal.

Browse every loan size & rate

Pick your loan balance, then the rate closest to yours, to open the dedicated calculation.

$200K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$250K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$300K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$350K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$400K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$450K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$500K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$550K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$600K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$650K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$700K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$750K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$800K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$850K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$900K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$950K

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

$1M

2%2.5%3%3.5%4%4.5%5%5.5%6%6.5%7%7.5%8%8.5%9%9.5%10%

Assumptions

26 half-payments per year, periodic rate = annual rate / 26, adjusted final payment. Illustration assumes each half-payment is credited when made; actual lender crediting practices vary — some servicers hold partial payments until a full payment accumulates, and some charge enrollment fees.

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For USA residents only

Calculations are illustrative only, based on the assumptions shown. Not financial advice, not a promise of savings or payoff time, and not a loan quote.