Biweekly Mortgage Payment Calculator
Paying half your mortgage every two weeks means 26 half-payments a year — the equivalent of 13 monthly payments instead of 12, quietly shaving interest and time off the loan.
Where the saving comes from
There are 52 weeks in a year, so a true biweekly schedule makes 26 payments. Twenty-six half-payments equal thirteen full monthly payments — one extra payment a year, applied to principal, without it feeling like much month to month. Over a full term that single extra annual payment can take years off the mortgage.
Biweekly vs. accelerated biweekly
- Biweekly — the monthly payment split in two, timed every two weeks.
- Accelerated biweekly — half the monthly payment every two weeks, which adds up to more per year and pays down faster.
Compare in Hearth
Switch payment frequency in Hearth to see monthly, biweekly, and other schedules side by side — with the payoff date, total interest, and amortization schedule all updating live.
Try it on your own numbers
Free, no sign-up — move the sliders and watch it update live.
Open the calculatorFrequently asked questions
Why does biweekly pay the mortgage off faster?
A biweekly schedule makes 26 half-payments a year — the equivalent of 13 monthly payments. That one extra payment a year goes to principal and shortens the loan.
Is biweekly the same as paying twice a month?
No. Twice-monthly is 24 payments a year (same as monthly). Biweekly is every two weeks, which lands 26 payments a year — that difference is the whole benefit.
Does my lender have to offer biweekly payments?
Some do; others let you achieve the same effect with a small recurring extra payment. Hearth models both so you can see the outcome either way.