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Home Equity Calculator (2026)
Calculate your home equity, loan-to-value ratio (LTV), and how much you could borrow with a HELOC or cash-out refinance.
Your Home Equity
$150,000
37.5% of home value
$400,000
Home Value
62.5%
Loan-to-Value (LTV)
$70,000
Max HELOC (80% LTV)
$70,000
Max Cash-Out Refi
You have 38% equity in your home. At 63% LTV you may qualify for a HELOC of up to $70,000.
Access your home equity:
Analysis & insights
Your equity is $150,000, based on the inputs above. Loan and credit decisions compound over years. Small rate or term changes have outsized lifetime impact.
Calculation summary
Result derived from 3 inputs. Adjust any one to test sensitivity.
Risk & benchmark gauge
Current band
Low
Equity: $150,000
Industry benchmarks
- Equity$150,000
- Ltv62.5
- Max H E L O C$70,000
Key insights
Time + rate compound
In long-horizon money math, small changes in rate or time produce outsized changes in the final number. Try ±1% on the rate to see sensitivity.
Sensitivity testing
Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.
Recommended actions(4)
Test the realistic range of each input
High priorityTry the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.
Impact: Reveals which inputs matter most and where uncertainty hides.
Compare against published benchmarks
Medium priorityWhatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.
Save or download a copy
Medium priorityFor calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.
Tap Your Home Equity
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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.