Home Equity Calculator
Calculate home equity, equity percentage, current LTV, and estimated accessible equity.
- Last reviewed
- July 8, 2026
- Cost
- Free to use
- Data
- Runs in your browser
Home Equity
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Equity Percentage
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Current LTV
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Estimated Accessible Equity
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Important note
This tool provides general planning information only. It is not tax, legal, financial, accounting, or investment advice. Check the current rules for your location and speak with a qualified professional before making a high-stakes decision.
Guide
How it works
Use this calculator to estimate your home equity and borrowing capacity.
What this calculator does
The home equity calculator estimates equity, equity percentage, current loan-to-value, and accessible equity.
Home Equity Formula
Home Equity = Home Value - Mortgage Balance
Example calculation
If your home is worth 500,000 and your mortgage balance is 300,000, your home equity is 200,000.
When to use this calculator
- checking homeowner equity
- estimating borrowing capacity
- preparing for a HELOC
- reviewing loan-to-value
FAQs
Is accessible equity the same as total equity?
No. Lenders usually limit borrowing to a maximum loan-to-value.
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