HELOC calculator — home equity line

Estimate HELOC borrowing power from home value, mortgage balance and LTV. Free US home equity line calculator.

Home value ($) Mortgage balance owed ($) Max combined LTV (%) HELOC rate estimate (APR %) Interest-only draw (months shown)

Estimated HELOC max · monthly interest

Educational estimate only — not tax, legal or financial advice. State taxes, deductions and filing status change results. Confirm with a tax professional or IRS.gov.

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FAQ

What is a HELOC?

A revolving credit line secured by home equity, often interest-only during the draw period.

What LTV is used?

Many lenders cap combined LTV near 80–90%. Adjust the slider to match quotes.

Free?

Yes.