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Track your home equity, LTV ratio, and projected appreciation over time.
Current Equity
$120,000
30.00% of home value
Loan-to-Value
70.00%
Good — below 80%
Equity in 5 Yrs
$195,075
Projected Home Value
$475,075
Gain Since Purchase
$50,000 (14.29%)
Note: Assumes same loan balance throughout (ignores monthly principal paydown). Equity grows purely from home appreciation.
| Year | Home Value | Equity | LTV | Equity % |
|---|---|---|---|---|
| 1 | $414,000 | $134,000 | 67.63% | 32.37% |
| 2 | $428,490 | $148,490 | 65.35% | 34.65% |
| 3 | $443,487 | $163,487 | 63.14% | 36.86% |
| 4 | $459,009 | $179,009 | 61.00% | 39.00% |
| 5 | $475,075 | $195,075 | 58.94% | 41.06% |
Home Equity Calculator computes equity as current home value minus mortgage balance, calculates LTV ratio, applies annual appreciation to project future equity, and flags HELOC eligibility and PMI thresholds.
Home Equity Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
Equity = current home value − loan balance. LTV = loan balance / current value × 100. Future value = current value × (1 + appreciation/100)^years. Future equity assumes loan balance is constant (does not model ongoing mortgage payments). Total gain = current value − purchase price. Methodology is illustrative; consult a lender for actual HELOC qualification.
Home equity = current market value − outstanding mortgage balance. If your home is worth $400,000 and you owe $280,000, you have $120,000 in equity (30% of the home's value).
LTV = mortgage balance ÷ home value × 100. An LTV of 80% or below is typically required to qualify for a HELOC, avoid PMI, and access the best refinance rates.
Most lenders require at least 15–20% equity (LTV ≤ 80–85%) and will lend up to 85–90% of your home's value combined with your existing mortgage (CLTV). A credit score of 620+ is typically required.
For conventional loans, you can request PMI cancellation when LTV reaches 80% (based on original home value). PMI must be automatically terminated at 78% LTV per the Homeowners Protection Act.
Generate a full mortgage amortization schedule showing principal, interest, and balance for every year of your loan.
Calculate when refinancing pays back its closing costs based on monthly savings.
How much house can you afford? Uses the 28/36 lender rule with live mortgage rates.