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// 26 halves beat 12 wholes
The biweekly "trick", honestly explained.
Half your payment every two weeks adds up to 13 full payments a year instead of 12. Here's exactly what that 13th payment is worth on your loan.
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Monthly
Biweekly
Cumulative interest — monthly vs biweekly
Frequently asked questions
How do biweekly payments save interest?
Paying half your monthly payment every two weeks makes 26 half-payments a year — 13 full payments instead of 12. The 13th goes straight to principal.
Is biweekly a trick lenders charge for?
Some servicers charge setup fees for official biweekly plans. You can replicate the effect free by adding one-twelfth of your payment as a monthly extra.
How much faster is the payoff?
On a typical 30-year mortgage, roughly 4–6 years faster, with five-to-six-figure interest savings depending on rate and amount. Exact figures above.
Does my lender support true biweekly application?
Many hold the half-payments and apply monthly anyway, which loses part of the benefit. Ask whether payments post on receipt.
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