Five free calculators for the questions that come up before you borrow against your home. What will the payment be? How much can you borrow? What does a home equity agreement cost when you settle? Every starting number is an example, not a quote, so type in your own.
- HELOC payment calculatorThe interest only payment during the draw and the larger payment during repayment, with total interest.
- Home equity loan calculatorThe fixed monthly payment, total interest and total repaid for an amount, rate and term.
- How much equity can I borrowYour equity, your combined loan to value and the most you could borrow at a limit you pick.
- Home equity agreement calculatorType the terms from your own offer to see the settlement amount and the implied annual cost.
- HELOC vs cash out refinanceKeep your mortgage and add a HELOC, or refinance it all? Payments, interest and closing costs side by side.
Which one should you start with?
Start with how much equity you can borrow. It tells you if there’s anything to work with. If there is, the home equity loan and HELOC calculators show your monthly bill, and the refinance comparison shows whether your current mortgage is worth keeping. Would you rather skip monthly payments? The home equity agreement calculator shows the cost that comes later.
Each calculator shows its math, what it leaves out and what to ask a lender. Looking for companies instead? See our best home equity agreement companies, or browse our home equity guides and reviews. Two guides pair well with these tools: HEI vs HELOC and how to get equity out of your home without a refinance.
Home equity calculator questions
Yes. There is nothing to sign up for.
No. The math runs in your browser, and the calculators don’t send or store what you enter.
We picked them to show how each calculator works. They are examples, not quotes, current market rates or any lender’s terms.