Home Equity Calculator
Educational calculators — always consult a licensed professional before making financial decisions.
Your home
A recent appraisal or comparable sales for the value, and the payoff balance from your latest statement.
Use a recent appraisal, Zillow estimate, or recent comparable sales.
From your most recent mortgage statement.
Equity today $170,000
These set how fast the balance falls, which is the paydown half of your equity growth.
Found on your mortgage statement or closing documents.
A 30-year loan started 5 years ago has about 300 months remaining.
Appreciation is an assumption, not a forecast — try a lower rate to see how much of the result depends on it.
US average is ~3–4%. Your local market may differ.
See how your equity grows over time.
Equity in 10 years
$416,154
Up from $170,000 today
Where Your Money Goes
Future Snapshot (Year 10)
Projections assume consistent appreciation rate. Actual home values fluctuate. Consult a real estate professional for a current market valuation.
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Cost to Sell a House
Selling costs 8%–10% of the sale price. Commission after the NAR settlement (measured rates went up, not down), seller closing costs, transfer taxes, and a worked net-proceeds example showing what one point of commission is really worth.
HELOC vs Cash-Out Refinance
Why the higher-rate option is usually the cheaper one: a cash-out refinance reprices your whole balance, a HELOC prices only the new money. Worked with July 2026 rates, plus what IRS Publication 936 actually lets you deduct.
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Is Refinancing Worth It?
Closing costs divided by monthly saving is the whole decision. The formula worked with current Freddie Mac rates, the rate drop you need to break even in 2/3/5 years, the term reset that raises your total interest at a lower rate, and what forecasters actually expect.
Selling Without a Realtor
Selling for sale by owner in 2026 — pricing, the phases of the sale, paperwork and required disclosures, flat-fee MLS, the commission you actually save after the NAR settlement, and the risks.
From the blog
Home Equity Loan vs HELOC in 2026: Fixed Payment or Flexible Line, and What Each Really Costs
On a $50,000 borrow, a HELOC at 7.36% saves about $7,400 in interest over 15 years if the rate never moves. This post shows how far the rate has to climb before the fixed loan wins.
Buying Before You Sell: Bridge Loan vs HELOC vs a Sale Contingency, With Real Costs
To buy a $600,000 home before selling a $500,000 one, you need about $120,000 for 4 months. A HELOC costs about $2,900 in interest, a bridge loan $4,000 to $9,600, and a sale contingency costs no loan fees but can lose you the house.
Giving Up a 3% Mortgage to Move: What It Really Costs to Trade Up at Today's Rates
Moving means trading a 3 percent loan for a new one near 7 percent. This post prices that trade in dollars, with a worked example, a rate table, and the options that avoid it.
Home Equity Calculator is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.