See how much equity you have and roughly how much you could borrow against it with a home equity loan or HELOC.
Estimate only — actual HELOC/home-equity limits depend on credit, income, and the lender's exact LTV cap. General information, not a lending offer.
Lenders let you borrow up to a percentage of your home's value — the loan-to-value (LTV) limit, often 80–90% — minus what you still owe. The gap between that ceiling and your mortgage balance is roughly what a HELOC or home equity loan could give you.
Available ≈ (value × max LTV) − mortgage balance
A HELOC is a revolving line you draw from as needed (usually variable-rate); a home equity loan is a one-time lump sum at a fixed rate. Both are secured by your home.
Commonly 80–90% of the home's value including your existing mortgage. A higher credit score can unlock the upper end.
Related: home affordability calculator · mortgage payment calculator · refinance calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Home Equity Calculator by ToolWise Digital.
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