Home Equity Calculator
See how much equity you have in your home, track appreciation over time, estimate your HELOC borrowing power, and project when PMI drops off.
Current Monthly Payment
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New Monthly Payment
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Est. Interest Saved
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Break-Even
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Current Home Equity
$170,000
37.8% of home value
Appreciation
+$100,000
+28.6% since purchase
Available for HELOC
$80,000
Based on 80% LTV limit
HELOC at 85% LTV
$102,500
Some lenders allow up to 85% combined LTV
Home Value Breakdown
Property Details
Mortgage Details
Enter 0 if you don’t pay PMI
Current Equity
$170,000
Equity %
37.8%
LTV Ratio
62.2%
Appreciation
+$100,000
Borrowing Power (HELOC / Home Equity Loan)
At 80% CLTV
$80,000
Most common limit
At 85% CLTV
$102,500
Select lenders
At 90% CLTV
$125,000
High-LTV programs
Equity Growth Projection
Equity by Appreciation Scenario
Appreciation Scenario Details
| Scenario | Home (5yr) | Equity (5yr) | Home (10yr) | Equity (10yr) |
|---|---|---|---|---|
| No Growth | $450,000 | $190,024 | $450,000 | $217,714 |
| Conservative (2%) | $496,836 | $236,861 | $548,547 | $316,262 |
| Moderate (4%) | $547,494 | $287,518 | $666,110 | $433,824 |
| Strong (6%) | $602,202 | $342,226 | $805,881 | $573,596 |
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Home values can decrease. Past appreciation does not guarantee future growth.
- ·HELOC availability depends on credit score, income, and individual lender requirements.
- ·PMI removal timelines are estimates based on scheduled payments and projected appreciation.