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Home Equity Loan Calculator

Find how much you can borrow against your home equity.

Borrowing against your home

A home equity loan lets you borrow against the value of your home minus what you still owe. Lenders cap the total loan-to-value ratio, usually around 80–85%. This calculator estimates your available equity and how much you could borrow.

Frequently Asked Questions

What is the Home Equity Loan Calculator?

Find how much you can borrow against your home equity. It runs instantly in your browser and is completely free to use.

What do I need to enter to use the Home Equity Loan Calculator?

The Home Equity Loan Calculator asks for the following values (3): Home value, Mortgage balance, Max loan-to-value (%). Fill them in and the result appears immediately — the calculation runs on your own device, so nothing you type is sent to a server.

How accurate is the Home Equity Loan Calculator?

The Home Equity Loan Calculator uses standard, widely-accepted formulas, so its figures are reliable estimates for everyday planning. They are not a substitute for advice from a qualified professional.

Is the Home Equity Loan Calculator free, and do I need an account?

Yes. The Home Equity Loan Calculator — and every other calculator on Calculatis — is completely free, with no registration, no download and no limit on how often you use it.