HELOC Calculators

Six tools to pressure-test a home-equity decision — no email required to run them, no sales pitch in the results.

Home Equity Calculator

See your total equity and how much you could tap at your target CLTV.

Compare your interest-only draw payment to the repayment-period jump.

Keep your low first mortgage and add a HELOC, or refinance it all? Find the break-even.

Roll high-rate balances into a HELOC and see the monthly and lifetime difference.

Will a HELOC-financed California ADU pencil out? Test borrowable equity, the payment shock, and rent across both HELOC phases.

A rental HELOC borrows less at a higher rate. See the haircut vs. a primary, and whether the rent survives the DSCR — today and two points higher.