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RealCostIQ

Home Equity Calculator

Educational calculators — always consult a licensed professional before making financial decisions.

Use a recent appraisal, Zillow estimate, or recent comparable sales.

$
$10K$10M

From your most recent mortgage statement.

$
$0$10M

Found on your mortgage statement or closing documents.

%
0.1%20%

A 30-year loan started 5 years ago has about 300 months remaining.

Tap to edit
mo
12360

US average is ~3–4%. Your local market may differ.

%
0%15%

See how your equity grows over time.

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yr
130

Equity in 10 years

$416,154

Up from $170,000 today

Current equity$170,000 (37.8% of home value)
Equity gained$246,154
From appreciation$184,769
From paydown$61,384

Where Your Money Goes

From Appreciation75%
$184,769 – $184,769
From Paydown25%
$61,384 – $61,384

Future Snapshot (Year 10)

Home value$634,769
Remaining balance$218,616
Home equity$416,154
Usable equity (85% CLTV)$320,938
Free

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A full PDF breakdown of these numbers — yours to keep or hand to a contractor.

Projections assume consistent appreciation rate. Actual home values fluctuate. Consult a real estate professional for a current market valuation.

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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.