Home Equity Calculator
Planning home Equity is easier when the main numbers are together. Add your values to the Home Equity and read the notes below the result before making a decision.
Your equity
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Loan-to-value—
Est. available to borrow—
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How it works
Equity = home value − mortgage balanceHow to use the Home Equity
Enter the requested values and start with one realistic example. Read the result together with its unit or label, then change one input at a time if you want to compare options.
Use the result as a planning estimate. Rates, fees, rules and personal circumstances can change the final figure.
Frequently Asked Questions
What is loan-to-value (LTV)?
It is your mortgage balance divided by your home value, as a percentage. Lower is generally better for borrowing.
How is borrowing power estimated?
Many lenders let you borrow up to about 80% of your home value minus your current balance. This is an estimate; your lender sets the real limit.
Can I use the result as an exact answer?
Treat it as an estimate or check unless the page and the rules that apply to you confirm otherwise. Rounding, fees and personal details can change the final result.