Home Equity Loan Calculator

Estimate your monthly payments for a fixed-rate Home Equity Loan using your home’s equity. This calculator shows your principal and interest payment, total interest cost, and payoff timeline based on U.S. lending standards.

HomeExpertly
www.homeexpertly.com
Home Equity Loan Calculator (USA)
Estimate your monthly payments for a fixed-rate Home Equity Loan. Use your home's equity to get a lump sum of cash with a fixed term and interest rate.
Loan Details
$
The lump sum cash amount you wish to borrow.
years
Standard terms are often 5, 10, 15, or 20 years.
%
$
Adding extra to the principal reduces interest and shortens the term.
Results
Monthly Payment
Principal & Interest—
Extra Principal—
Total Monthly Payment—
Loan Summary
Total Loan Amount—
Original Payoff Date—
Payoff with Extra—
Total Interest (Standard)—
Total Interest (Actual)—
Interest Saved—
Visuals
Balance Payoff
Principal vs. Interest
Explore More Finance Calculators
Access a full suite of finance calculators covering mortgages, loans, equity, taxes, insurance, and real estate investments to support smarter financial planning.
Balloon Mortgage Calculator
This Balloon Mortgage Calculator helps you estimate your monthly payment and the final lump-sum balloon payment due at the end…
Try Calculator
Staging ROI Calculator
The Home Staging ROI Calculator helps you determine whether professional staging is worth the investment. Estimate sale price increase, holding…
Try Calculator
Commute Cost Calculator
The Commute Cost Calculator helps you understand the true cost of your daily drive. Estimate annual fuel expenses, vehicle wear…
Try Calculator
Moving Cost Calculator
The Moving Cost Calculator helps you estimate the cost of your move and compare professional movers with a DIY truck…
Try Calculator
Moving Box & Storage Calculator
The Moving Box & Storage Calculator helps you plan your packing and storage needs before a move. Estimate how many…
Try Calculator
Agent Commission Split Calculator
The Real Estate Commission Calculator helps agents estimate their true take-home pay from a transaction. Break down gross commission, brokerage…
Try Calculator
Solar Panel Savings Calculator
The Solar Savings Calculator helps you estimate the financial benefits of going solar. Calculate payback period, federal tax credit savings,…
Try Calculator
Home Renovation ROI Calculator
The Renovation ROI Calculator helps you determine whether a home improvement project is worth the cost. Compare renovation expenses with…
Try Calculator
DSCR Calculator
This DSCR Loan Calculator helps real estate investors estimate debt service coverage ratio, net operating income, and monthly cash flow…
Try Calculator
1031 Exchange Calculator
This 1031 Exchange Calculator helps real estate investors estimate capital gains taxes, depreciation recapture, and potential tax savings when reinvesting…
Try Calculator
Airbnb Profitability Calculator
This Short-Term Rental Calculator helps investors analyze Airbnb or vacation rental profitability by estimating cash flow, net operating income, cap…
Try Calculator
Cap Rate Calculator
This Cap Rate Calculator helps real estate investors measure property performance by calculating capitalization rate and net operating income based…
Try Calculator
Equity Waterfall Calculator
Use this Equity Waterfall Calculator to analyze potential investor and sponsor returns by modeling preferred returns, equity splits, and projected…
Try Calculator
Seller Financing Calculator
The Seller Financing Calculator helps you estimate monthly payments, total interest, and balloon balances for owner-financed real estate deals. Adjust…
Try Calculator
Wrap-Around Mortgage Calculator
The Wrap-Around Mortgage Calculator helps you analyze seller-financed deals where an existing loan remains in place. Compare buyer payments, underlying…
Try Calculator
Subject-To Deal Calculator
The Subject-To Deal Calculator helps you analyze real estate deals where the existing mortgage remains in place. Estimate cash to…
Try Calculator
Prorated Rent Calculator
This prorated rent calculator helps tenants and landlords determine fair rent for partial rental periods.
Try Calculator
Commercial Lease Calculator
The Commercial Lease Calculator helps you estimate the true cost of leasing commercial space. Calculate base rent, NNN or CAM…
Try Calculator
Eviction vs Cash for Keys Calculator
The Eviction vs Cash for Keys Calculator helps landlords compare the true cost of legal eviction against offering a cash-for-keys…
Try Calculator
Section 8 Rent Estimator
The Section 8 Rent Estimator helps landlords and tenants calculate the Housing Assistance Payment (HAP) and tenant rent portion for…
Try Calculator
Capital Gains Tax Calculator
Use this calculator to analyze short-term and long-term capital gains based on your income and filing status. Instantly see total…
Try Calculator
Reverse Mortgage Calculator
This Reverse Mortgage Calculator helps estimate how much cash you may access with a HECM loan. See your principal limit,…
Try Calculator
Mortgage Points Calculator
Calculate the true cost and savings of mortgage points. Compare monthly payments, APR impact, and break-even timing with a detailed…
Try Calculator
Mortgage APR Calculator
Calculate your true mortgage APR by factoring lender fees into the real cost of borrowing. Compare your note rate vs…
Try Calculator
Jumbo Loan Calculator
Estimate monthly payments and total costs for large mortgage loans with this Jumbo Loan Calculator. Perfect for high-value home buyers,…
Try Calculator
Adjustable-rate mortgage (ARM) calculator
Analyze how your ARM (Adjustable Rate Mortgage) payments could change over time with this smart calculator. Enter your initial rate,…
Try Calculator
Mortgage Insurance (PMI) Calculator - Advanced Version
Quickly calculate how much you’ll pay in Private Mortgage Insurance (PMI) and how it impacts your total mortgage cost. This…
Try Calculator
Interest-Only Mortgage Calculator
Explore your monthly payment options with an Interest-Only Mortgage using this dedicated calculator. See how much you’ll pay during the…
Try Calculator
Rent vs Buy Calculator
Unsure whether to rent or buy a home? This calculator compares the lifetime financial impact of renting versus buying based…
Try Calculator
Mortgage Payoff Date Calculator
Find out when your mortgage will be fully paid off and how much interest you can save with extra payments.…
Try Calculator
HELOC Calculator (Home Equity Line of Credit)
Calculate your maximum HELOC amount, monthly draw interest, and repayment payments using realistic U.S. lending assumptions. Instantly download a personalized…
Try Calculator
Loan-to-Value (LTV) Calculator
Calculate your Loan-to-Value (LTV) and Combined LTV (CLTV) ratios using your home value and outstanding mortgage balances. This calculator helps…
Try Calculator
Second Mortgage Calculator
Estimate your monthly payments for a fixed-rate second mortgage (home equity loan) and see how it affects your total housing…
Try Calculator
Biweekly Mortgage Payment Calculator
Use our Biweekly Mortgage Calculator to see how switching from standard monthly payments to a true biweekly mortgage schedule can…
Try Calculator
Mortgage Calculator
A mortgage calculator helps you break down your estimated monthly home payment, including principal, interest, taxes, and insurance.
Try Calculator
FHA Loan Calculator
Figure out your FHA loan payment, including MIP, UFMIP, taxes, and insurance. Get your full monthly cost and loan breakdown…
Try Calculator
VA Loan Calculator
Quickly estimate your VA loan payment, funding fee, and total monthly costs. This easy-to-use VA mortgage calculator gives U.S. borrowers…
Try Calculator
Refinance Calculator
Get an instant look at your new monthly payment and potential savings with our refinance calculator. Fast, clear, and accurate…
Try Calculator
Affordability Calculator
Find out how much house you can afford with our smart Home Affordability Calculator. Instantly compare affordable price ranges for…
Try Calculator
Debt to Income Ratio Calculator
Estimate your front-end and back-end DTI ratios based on your gross monthly income and monthly debts, using guidelines commonly used…
Try Calculator
Property Tax Calculator
Estimate annual, monthly, and daily property taxes using average state-based tax rates or your own custom rate. See 10-year projections…
Try Calculator
Amortization Calculator
Calculate your monthly mortgage payment and view a full loan amortization schedule, including monthly principal vs. interest, payoff timeline, and…
Try Calculator
Closing Cost Calculator
Estimate typical home-buying closing costs in U.S. dollars, including lender fees, title & escrow, government and recording fees, prepaids, escrow…
Try Calculator
Down Payment Calculator
Estimate your target down payment, projected savings growth, and how long it may take to reach your goal with your…
Try Calculator
Cash-Out Refinance Calculator
Estimate how much cash you could take out with a refinance, your new monthly payment, closing costs, interest savings (or…
Try Calculator
Mortgage Loan Comparison Calculator
Compare two mortgage loan options side-by-side. View monthly payments, total interest, payoff timelines, and long-term savings to choose the best…
Try Calculator
Property Appreciation Calculator
This Property Appreciation Calculator helps you visualize how compound appreciation builds wealth over time. Model future home values based on…
Try Calculator
Seller Net Sheet Calculator
Use this Seller Net Sheet Calculator to estimate how much cash you’ll receive after selling your home. Account for mortgage…
Try Calculator
House Hacking Calculator
Use this House Hacking Calculator to estimate your true housing cost after rental income, expenses, and principal paydown.
Try Calculator
Rent Increase & Stress Test Calculator
Use this Rent Increase & Stress Test Calculator to project future cash flow and see how your rental performs under…
Try Calculator
Move-Up Buyer Calculator
Use this Move-Up Buyer Calculator to see how selling your current home affects your new loan, down payment, and monthly…
Try Calculator
Mortgage Assumption Calculator
Use this Mortgage Assumption Calculator to compare assuming a seller’s low-rate mortgage against financing at current market rates.
Try Calculator
Mortgage Recast Calculator
Use this Mortgage Recast Calculator to estimate how a lump-sum principal payment can reduce your monthly mortgage payment and total…
Try Calculator
PMI Removal Calculator
Use this PMI Removal Calculator to see if you qualify to cancel private mortgage insurance and estimate your potential monthly…
Try Calculator
Mortgage Tax Deduction Calculator
Use this Mortgage Tax Deduction Calculator to see whether itemizing or taking the standard deduction saves you more on taxes.
Try Calculator
Extra Payment vs Refinance Calculator
Use this Extra Payments vs Refinance Calculator to compare interest savings, payoff time, and total cost for both strategies.
Try Calculator
Mortgage Points Calculator
Use this Mortgage Points Calculator to determine whether buying discount points makes financial sense based on your loan terms and…
Try Calculator
15-Year vs 30-Year Mortgage Calculator
Use this 15-Year vs 30-Year Mortgage Calculator to compare monthly payments, total interest, and long-term equity growth.
Try Calculator
ARM Rate Cap Impact Calculator
Use this ARM Rate Cap Impact Calculator to estimate worst-case payment increases and understand how rate caps affect your mortgage…
Try Calculator
Home Equity vs Personal Loan Calculator
Use this calculator to compare a home equity loan and a personal loan side by side, including payments, interest, fees,…
Try Calculator
BRRRR Calculator
Use this BRRRR Calculator to evaluate buy, rehab, refinance, rent deals. See how much capital you recover and your long-term…
Try Calculator
Early Refinance vs Wait Calculator
Use this Early Refinance vs Wait Calculator to compare monthly payments, break-even timing, and long-term interest savings before refinancing.
Try Calculator
Real Estate Investment Calculator
Thinking about buying a rental property? Use this Real Estate Investment Calculator to estimate cash flow, cap rate, and return…
Try Calculator
Closing Timeline Calculator
Calculate your expected closing date and visualize each step of the home buying process from contract to closing.
Try Calculator
Refinance Break-Even Calculator
This refinance break-even calculator helps you determine whether refinancing makes financial sense. Compare your current loan with a new refinance…
Try Calculator
Mortgage Comparison with Taxes + Insurance
Compare two mortgage options side by side. See monthly payments, total interest, taxes, insurance, and HOA to choose the best…
Try Calculator
Bridge Loan Calculator
This bridge loan calculator helps you estimate how much equity you can access, your monthly interest-only payment, and the total…
Try Calculator
Fix and Flip Calculator
Use this Fix & Flip Profit Calculator to quickly evaluate real estate deals. Estimate net profit, ROI, and MAO based…
Try Calculator
Rental Property Calculator
Use this Rental Property Calculator to evaluate buy-and-hold investments. Estimate monthly cash flow, NOI, cap rate, and cash-on-cash return with…
Try Calculator
Internal Rate of Return (IRR) Calculator
Use this IRR Calculator to evaluate long-term real estate investments. Analyze cash flows, exit value, equity multiple, and total returns…
Try Calculator
Modified Internal Rate of Return (MIRR) Calculator
Use this MIRR Calculator to analyze real estate investments more accurately. Evaluate returns using cash flows, exit value, and reinvestment…
Try Calculator
House Flipping Calculator
Use this House Flipping Calculator to evaluate fix-and-flip deals. Estimate profit, ROI, holding costs, and your maximum allowable offer with…
Try Calculator
Escrow Analysis Calculator
Use this Escrow Analysis Calculator to project your escrow balance, identify shortages or surpluses, and understand your monthly escrow payment.
Try Calculator
ARM vs Fixed Mortgage Comparison Calculator
Use this ARM vs Fixed Rate Calculator to compare mortgage options. See payment differences, interest costs, and worst-case ARM scenarios…
Try Calculator
Buying Power Calculator
Use this Buying Power Calculator to estimate your maximum home price and loan amount based on income, debts, and mortgage…
Try Calculator
USDA Loan Calculator
Planning a USDA home loan? This calculator breaks down your monthly payment, including USDA fees, taxes, insurance, and total interest,…
Try Calculator