Every free tool on HELOCEdge.com in one place. No sign-up, no lender ties — just the numbers.
Most Popular
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 CoreCalculate your Loan-to-Value ratio instantly. One of the most searched figures for homeowners applying for a HELOC.
Use Calculator Coming Soon CoreMost HELOCs are interest-only during the draw period. See exactly what that costs you each month.
Coming Soon Coming Soon CoreHow long will it take to pay off your HELOC balance — and how much interest will you pay in total?
Coming SoonSide-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 CompareEnter your existing high-interest debts and see exactly how much you could save by consolidating into a lower-rate HELOC.
Compare Now Coming Soon CompareTap your equity without replacing your mortgage — or should you refi? Settles the most common HELOC dilemma.
Coming Soon Coming Soon CompareFor smaller borrowing needs, a personal loan sometimes wins on total cost. Find out which is cheaper.
Coming Soon Coming Soon CompareHELOCs track the prime rate. See how a 1%, 2%, or 3% rate rise would change your monthly payment.
Coming SoonLong-Term Planning
Tools for homeowners thinking beyond the monthly payment.
Visualise your equity position over time as you pay down your mortgage and your home appreciates.
Coming Soon Coming Soon PlanningBorrowing via HELOC for a renovation? See the likely return on resale value versus the cost of borrowing.
Coming Soon Coming Soon PlanningGenerate a full month-by-month breakdown of your HELOC balance, interest, and payments.
Coming Soon Coming Soon PlanningMost HELOCs have lifetime rate caps. Model your worst-case payment scenarios.
Coming Soon