Financial Calculators
Home Equity Calculator
Calculate your home equity, current loan-to-value ratio, and available equity for a HELOC locally in your browser.
See your ownership stake and borrowing power.
Enter your home value and current mortgage balance to see your equity, loan-to-value (LTV) ratio, and the equity available for a home equity line of credit at a given maximum LTV. This private browser estimate is for general planning only, not financial advice; your values are not uploaded or stored.
Frequently Asked Questions
Everything you need to know about this tool, how it works, and privacy.
What is home equity?
Home equity is the difference between your home's current market value and the outstanding balance on your mortgage. For example, a $400,000 home with a $250,000 mortgage balance has $150,000 in equity.
What is loan-to-value (LTV) ratio?
LTV is your mortgage balance divided by your home value, expressed as a percentage. For a $250,000 mortgage on a $400,000 home, LTV = (250000 ÷ 400000) × 100 = 62.5%. Lower LTV means more equity.
How is available equity for a HELOC calculated?
Most lenders allow borrowing up to 80–85% LTV combined. The calculator takes your home value times the maximum LTV percentage, then subtracts your current mortgage balance. For a $400,000 home with a $250,000 mortgage at 80% max LTV: max loan = $320,000, available equity = $320,000 − $250,000 = $70,000.
Do my values stay private, and is this financial advice?
Yes. The calculation and copy action run locally in your browser. CodeASystem does not upload or store the values you enter. This is a general planning estimate, not financial advice. Consult a lender for actual HELOC terms and eligibility.