Plain-English tools that help US homeowners understand, compare, and plan their home equity borrowing — completely free.
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The tools most homeowners need first — start here.
Estimate your monthly payments during both the draw period and the repayment period based on your balance, rate, and term.
Use Calculator CoreEnter your home value, mortgage balance, and lender LTV limit to find your maximum available HELOC credit line.
Use Calculator CoreMost HELOCs are interest-only during the draw period. See exactly what that costs you each month.
Use Calculator CoreHow long will it take to pay off your HELOC balance at your planned monthly payment — and how much interest will you pay in total?
Use Calculator CoreCalculate your Loan-to-Value ratio instantly. One of the most searched figures for homeowners applying for a HELOC.
Use CalculatorSide-by-Side
Not sure if a HELOC is the right move? These tools put your choices head to head.
Flexible credit line vs. fixed lump sum — see the difference in payments and total interest side by side.
Compare Now CompareTap your equity without replacing your mortgage — or should you refi? This calculator settles the most common HELOC dilemma.
Compare Now CompareFor smaller borrowing needs, a personal loan sometimes wins on total cost. Find out which is cheaper for your situation.
Compare Now CompareEnter your existing high-interest debts and see exactly how much you could save by consolidating into a lower-rate HELOC.
Compare Now CompareHELOCs track the prime rate. See exactly how a 1%, 2%, or 3% rate rise would change your monthly payment.
Compare NowLong-Term Planning
Tools for homeowners thinking beyond the monthly payment.
Input your purchase price, current estimate, and mortgage balance to visualise your equity position over time.
Use Tool PlanningBorrowing via HELOC for a renovation? See the likely return on resale value versus the cost of borrowing.
Use Tool PlanningGenerate a full month-by-month breakdown of your HELOC balance, interest, and payments across the entire loan lifecycle.
Use Tool PlanningMost HELOCs have lifetime rate caps. Model your worst-case payment scenarios so there are no nasty surprises.
Use ToolHow HELOCEdge works
Use the quiz above or browse by category — core calculators, comparisons, or long-term planning tools.
All calculators use plain labels. No jargon. No sign-up. Just your figures and an instant result.
Every result includes a plain-English explanation of what the number means for your situation.
Informed homeowners make better borrowing decisions. That's the only thing we're here for.
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