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Home Equity Calculator

Work out the equity in your home from its value and your mortgage balance, with LTV, borrowable amount and a future projection.

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Home Affordability CalculatorFind the maximum home price you can afford from your income, debts and down payment, using the 28/36 debt-to-income rules.Housing Appreciation CalculatorMeasure how much a property has appreciated between two dates, get the annualised rate (CAGR) and project its future value.Interest-Only Mortgage CalculatorShows the payment shock at the end of the interest-only period: the low payment while only interest is due, the higher one once the whole principal has to be repaid over the years that are left, and the exact size of the jump. Puts the lifetime interest side by side with a fully amortising loan of the same rate and term.Mortgage Comparison CalculatorCompare two mortgages — payment, total interest and total cost — to see which term and rate wins.Storage Unit Size CalculatorBuild an inventory of furniture, appliances, boxes and outdoor gear, pick a packing efficiency and get the right unit on the 5×5 to 10×30 ladder, with metric equivalents.VA Loan Calculator (US)Full PITI for a US Department of Veterans Affairs home loan: the funding fee at the official rate for first use, subsequent use or an exemption, financed into the loan or paid in cash, plus property tax, insurance and HOA. VA loans carry no mortgage insurance, so the funding fee is the whole of the extra cost.Cap rate calculatorCompute the capitalization rate of a rental property, and compare it with the market rate of your own comparable sales.Down payment calculatorWork out your down payment, the loan it leaves, the cash you still have to find and the month you get there.

Home Equity Calculator works straight from this page — free, instant, nothing to install. You will find it under Buying, with Home Affordability Calculator and Housing Appreciation Calculator for the neighbouring cases.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Home Equity Calculator?

Work out the equity in your home from its value and your mortgage balance, with LTV, borrowable amount and a future projection.

When would I actually use this?

Before making an offer: what the bank will lend, what the purchase costs on top of the price, and how much deposit closes the gap.

What is the most common mistake?

Budgeting for the price and forgetting the acquisition costs. Notary fees, transfer duty and registration add between 2% and 15% depending on the country — enough to sink an offer.

How is Home Equity Calculator different from Home Affordability Calculator?

They sit next to each other but answer different questions: Home Affordability Calculator is the one to open when you need it to find the maximum home price you can afford from your income, debts and down payment, using the 28/36 debt-to-income rules. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Housing Appreciation Calculator is the closest one after this: Measure how much a property has appreciated between two dates, get the annualised rate (CAGR) and project its future value.

What else is worth having open alongside it?

Interest-Only Mortgage Calculator and Mortgage Comparison Calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

Fee scales and duty rates are published per country and per region, and they change with each finance act. Lending limits also depend on the bank's own policy, not only on the regulator's debt-to-income cap.

Further reading

All guides →
ExplainerHome Equity Is Not One NumberValue minus debt gives $139,167. After the costs of selling it is $111,867. What a lender will actually let you borrow against it is $55,167. Same house, same day, three answers — and the third is the one that governs.ExplainerWhat Is Loan-to-Value (LTV), and Which Bands Actually Change AnythingLoan divided by the lower of price and appraised value. The bands at 80, 90 and 95 percent are where pricing steps — and a valuation that comes in low moves you across one without you touching the deposit.GuideHow to Budget a Home Renovation Without a Single Made-Up NumberThere is no honest single figure for a renovation. Build it up by work type, accept that labour is the biggest and least predictable line, and hold 10 to 20 percent back for what the survey could not see.GuideBuying Together Without Marrying: What the Split on the Deed Commits You ToThe percentages written into the deed decide who owns what for as long as the property exists — not who paid the deposit, not who pays the mortgage, not who does the renovation. In France, Spain and Italy the default is the same undivided co-ownership, and it comes with a right that surprises couples: either of you can force a sale.ExplainerReverse Mortgages: What You Are Actually SellingNo monthly payment means the balance compounds instead of amortising. On $160,000 drawn against a $400,000 home, the debt passes the value in 11.68 years if prices stay flat — and reaches $714,857 by year twenty.ExplainerHow Much House Can You Actually Afford?Three constraints decide it — the deposit, the lender's ratio and the payment you can live with — and they bind in a different order for different buyers. Same $90,000 income, three answers: $230,769, $355,360 and $431,922.