See how paying half your mortgage every two weeks — 13 full payments a year instead of 12 — cuts years and interest off the loan.
Models the common approach of paying an extra 1/12 of a payment monthly (equivalent to 26 biweekly half-payments = 13 monthly payments a year). Some servicers charge setup fees for formal biweekly plans; you can replicate it free by adding 1/12 yourself. Not lending advice.
A year has 26 two-week periods, so paying half your monthly amount every two weeks means 13 full monthly payments a year instead of 12. That one extra payment goes straight to principal, and because mortgages front-load interest, it compounds into years off the term and large interest savings.
No — adding 1/12 of your payment to principal each month achieves the same result with no fees. Just confirm extra payments apply to principal.
It saves interest, but only if the money isn't better used elsewhere (high-interest debt, retirement match). It's a guaranteed return equal to your mortgage rate.
Related: mortgage payoff calculator · mortgage payment calculator · refinance calculator · all free calculators.
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Last reviewed: September 2026. Free to use, no signup — Biweekly Mortgage Calculator by ToolWise Digital.
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