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Payment Frequency Comparison

Compare monthly, biweekly and weekly payments to see the interest saved and the payoff time.

Payment frequency comparison

Monthly payment: —
Interest saved by biweekly: —
Time saved by biweekly: —
—
—
Each plan is simulated payment by payment, so the interest saved and the earlier payoff are both exact.

How to use the Payment Frequency Comparison

  1. Enter the loan amount, the annual interest rate and the term in years.
  2. The tool splits the monthly payment into biweekly and weekly amounts.
  3. Compare total interest and payoff time across all three plans.

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Frequently Asked Questions

Common questions about the free online payment frequency comparison.

The monthly payment from the amortisation formula is halved and paid every two weeks, giving 26 half payments, or 13 full payments a year.
On a typical 30 year loan, paying half the monthly amount every two weeks clears the balance about four to five years early.
Interest is charged on the balance, so every earlier payment cuts the balance sooner and reduces the interest charged after it.
The amortisation formula, A = P x i / (1 - (1 + i) ^ -n), with i the monthly rate and n the number of monthly payments.
Effectively yes. Thirteen monthly payments a year instead of twelve has the same result as adding one twelfth to each payment.
Some do. Compare the interest saved with any setup fee or per payment fee before signing up for a lender run biweekly plan.
The tool simulates each payment period, charging interest on the balance and applying the payment until the balance reaches zero.
No. It compares interest and time only, so add any plan fees to the saved interest before deciding which option wins.
Yes. Enter any fixed rate loan and the tool compares monthly, biweekly and weekly payments over the same term.

Last updated: October 10, 2026