Enter Your Property Details

Current Home Value ($)

Remaining Mortgage Balance ($)

Your Equity Analysis

Home Value

$400,000

Home Equity

$150,000

LTV Ratio

62.50%

Loan-to-Value Scale

0% 25% 50% 75% 100%

Your LTV: 62.5%

Current Home Value $400,000

Mortgage Balance $250,000

Your Equity $150,000

HELOC Potential

$120,000

Cash-out Refi

$112,500

What is Home Equity?

Home equity is the portion of your home you truly own - the difference between your home's value and what you owe on your mortgage.

Loan-to-Value (LTV)

LTV compares your mortgage balance to your home's value. Lower LTV means more equity and better loan terms.

Borrowing Power

Most lenders allow HELOCs up to 80-85% of your home's value minus what you owe.

Frequently Asked Questions

What is home equity?

Home equity is the current market value of your home minus what you owe on your mortgage. It represents the portion of your home you truly own.

How is LTV calculated?

Loan-to-Value (LTV) is calculated by dividing your mortgage balance by your home's current value. For example, $250,000 mortgage ÷ $400,000 home value = 62.5% LTV.

How much can I borrow with a HELOC?

Most lenders allow you to borrow up to 80-85% of your home's value minus your current mortgage. This is called your combined loan-to-value (CLTV).

What's a good LTV ratio?

LTV under 80% is generally considered good and may help you avoid private mortgage insurance (PMI) and qualify for better rates.

How can I increase my home equity?

Make larger mortgage payments, make home improvements that increase value, or wait for your home's value to appreciate over time.

Is this calculator free?

Yes! 100% free. No registration, no hidden costs. Use it as many times as you need for all your financial planning.

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Home Equity Calculator - Understand Your Home's Value

Our Home Equity Calculator PRO helps you understand your home's financial potential. Whether you're considering a HELOC, cash-out refinance, or just want to know your net worth, this tool provides accurate calculations instantly.

How it works: Enter your home's current value and remaining mortgage balance. The calculator instantly shows your equity, loan-to-value ratio, and potential borrowing power for HELOCs and refinancing.

Perfect for: Homeowners considering renovation, debt consolidation, investment property owners, financial planners, and anyone wanting to understand their home equity.