HELOC Calculator

Understand your Home Equity Line of Credit before you sign.

HELOC Calculator gives homeowners, real estate investors, and financial planners a fast, accurate way to estimate draw period and repayment period payments — with a full amortization breakdown.

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KEY FEATURES
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⚡ Instant Calculations
Slide to adjust your loan amount, interest rate, draw period, and repayment period — results update in real time with no button taps needed.

📊 Visual Payoff Chart
See exactly how your balance decreases year by year with a clear stacked bar chart showing interest paid, principal paid, and ending balance for every year of your loan.

📋 Amortization Table
Get a full year-by-year breakdown of every payment — separated into draw phase and repayment phase so you always know where you stand.

🏠 Built for Real Decisions
Whether you're funding a renovation, consolidating debt, or planning an investment, HELOC Calculator gives you the numbers you need to make a confident decision.

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HOW IT WORKS
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1. Enter your loan amount (up to $500,000)
2. Set your interest rate
3. Choose your draw and repayment periods
4. Instantly see your monthly payments and full payoff schedule

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PERFECT FOR
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✔ Homeowners exploring equity financing
✔ Real estate investors evaluating deals
✔ First-time buyers understanding loan structures
✔ Financial advisors running quick client scenarios

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PRIVACY
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No account required. No data collected. All calculations happen 100% on your device. Your financial information never leaves your phone.

Download HELOC Calculator and take control of your home equity decisions today.