Home Equity Calculator
Calculate home equity with our free home equity calculator. This home equity calculator shows your current equity, LTV ratio, and borrowing power. Use this home equity calculator to track equity growth from appreciation and principal payments. Our home equity calculator provides detailed analysis for financial planning and refinancing decisions.
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Home Equity Calculator Inputs
Your home's current market value
Historical average is 3-4% annually
How long you've owned the home
Current Home Equity
$0
0.0% of home value
LTV Ratio
0.0%
Loan-to-Value
Appreciation Gain
$0
Equity Breakdown
Equity Sources
Good news! Your LTV is below 80%. You may be eligible to remove PMI if applicable, or qualify for favorable refinancing terms.
Equity Growth History
Projected Equity Growth (10 Years)
Current Home Value Distribution
Equity Sources Breakdown
Understanding Your Home Equity Calculator Results
A home equity calculator helps you track your ownership stake in your property. This home equity calculator shows how equity grows from two sources: paying down your mortgage and home value appreciation. Use this home equity calculator to determine borrowing power and track wealth building through homeownership.
Key home equity concepts:
- Home Equity: The portion of your home that you own outright (home value minus mortgage balance)
- LTV Ratio: Loan-to-Value ratio shows mortgage balance as percentage of home value; below 80% is ideal
- Equity Growth: Builds through principal payments and home appreciation over time
- Borrowing Power: Lenders typically allow borrowing up to 80-85% LTV for home equity loans/HELOCs
- Forced Savings: Mortgage payments force equity accumulation, building wealth over time
Using this home equity calculator: Enter your current home value and mortgage balance to see equity instantly. The home equity calculator tracks equity from down payment, principal payments, and appreciation separately. This home equity calculator projects future equity growth based on appreciation rates. Use this home equity calculator when considering refinancing, home equity loans, or tracking your net worth. The home equity calculator is an essential tool for homeowners to monitor their largest asset.
Disclaimer: This calculator is for educational and illustrative purposes only. Results are estimates and may not reflect actual outcomes. Investing Point does not guarantee the accuracy of these calculations and is not responsible for any decisions made based on this tool.
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