---
title: "ARM vs fixed rate comparison"
method: GET
path: "/api/v1/calculate/arm-vs-fixed"
---

# ARM vs fixed rate comparison

`GET /api/v1/calculate/arm-vs-fixed`

## Request

- Base URL: `https://everycalc.xyz`
- URL: `https://everycalc.xyz/api/v1/calculate/arm-vs-fixed`
- Auth: none declared

Worst case adjustable rate mortgage simulation with rate caps, compared with a fixed rate loan on total interest, payments, and the breakeven year. Results match the interactive calculator at everycalc.xyz; every response includes a calculator_url deep link to it.

## Query parameters

- `loan_amount` number, required
- `fixed_rate_pct` number, required
- `arm_start_rate_pct` number, required
- `fixed_period_years` number, required
- `fully_indexed_rate_pct` number, required
- `initial_cap_pct` number, required
- `periodic_cap_pct` number, required
- `lifetime_cap_pct` number, required
- `term_years` number

## Response `200`

Calculation result.

## Other responses

- `400`: Invalid input.

---

[API](https://skmtc.dev/everycalc/apis/everycalc-api.md) · [All operations](https://skmtc.dev/everycalc/apis/everycalc-api/llms.txt) · [OpenAPI document](https://skmtc.dev/everycalc/apis/everycalc-api/revisions/a4bd5db0868a?raw)