Payoff timing

Biweekly Mortgage Calculator

Compare a standard monthly payment with a biweekly schedule that makes 26 half-payments per year.

Before you switch

Some servicers require a formal biweekly plan or hold partial payments. Confirm how your lender applies payments before changing your schedule.

Enter your loan assumptions

Estimated biweekly payment $0
Time saved0 years
Interest saved$0
Biweekly payoff0 years

Estimate only. This uses a simplified 14-day accrual model. Servicer payment rules can change the result.

Biweekly mortgage FAQ

Why 26 half-payments?

A biweekly schedule makes 26 half-payments per year, equal to 13 monthly payments.

Will my servicer apply payments immediately?

Not always. Some servicers hold partial payments or require enrollment in a formal plan.

Is this exact payoff math?

No. It is an educational estimate using a simplified 14-day accrual model.