Run the numbers before anyone runs your credit.
10 calculators, each built around a real decision, each with a worked example. Prime is 7.00% as of October 28, 2026.
What HELOC calculators does HELOCHQ offer?
HELOCHQ offers 10 free calculators, each with a worked example: a debt payoff calculator, HELOC payment calculator, how much can I borrow, HELOC vs. cash-out, home equity loan calculator and HELOC offer checker, plus refinance break-even, home affordability, DSCR and bank-statement income calculators. Each runs in your browser, sends nothing anywhere and uses today's prime rate.
HELOC calculators
Debt payoff calculator
Your cards and loans in, new payment, interest saved and debt-free date out.
Open →HELOC payment calculator
Interest-only now, principal later, and what a rate rise does to both.
Open →How much can I borrow
Your likely line at 85% combined loan-to-value, with a typical rate for your credit.
Open →HELOC vs. cash-out calculator
Keep your mortgage plus a HELOC, or refinance it all? Payments and blended rate side by side.
Open →Home equity loan calculator
Fixed payment and total interest on a lump-sum home equity loan, across terms.
Open →HELOC offer checker
Compare an offer's rate and fees with HELOCs actually closed this year at your credit score.
Open →Mortgage calculators
Investor calculators
Which calculator to use
- Paying off debt? The debt payoff calculator compares your cards and loans today with a HELOC payoff: monthly payment, total interest and your debt-free date.
- Not sure how much you can borrow? How much can I borrow estimates your line from your home value and mortgage.
- Worried about the payment? The HELOC payment calculator shows the interest-only payment, the payment after the draw period, and what a rate rise does.
- Deciding between a HELOC and refinancing? HELOC vs. cash-out compares monthly cost and your blended rate; the refinance break-even calculator shows how long a refinance takes to pay off.
- Buying, investing or self-employed? Use the affordability, DSCR and bank-statement income calculators.
How the calculators work
Each calculator runs in your browser; nothing you type is sent anywhere. Results use standard loan formulas and today's prime rate, and each tool page explains its math and assumptions. They're estimates for planning, not an offer of credit. When you're ready for real numbers, request a quote.