Home Equity Loan Calculator (Free, No Personal Info Required)
📅 Rates updated: July 2026
No personal information required. This tool runs in your browser — we don't collect your home value, mortgage balance, SSN, or credit score. Results are estimates only.
Estimate your borrowing power
Defaults below are examples ($450k home, $280k mortgage). Adjust to match your situation.
Your estimated results
Maximum home equity loan
$80,000
5 yr @ 8.12%$1,626/mo
10 yr @ 8.25%$984/mo
15 yr @ 8.20%$778/mo
Example payment scenarios
Fixed-rate estimates using July 2026 average APRs (principal + interest only):
| Loan amount | 10 yr @ 8.25% | 15 yr @ 8.20% |
|---|---|---|
| $20,000 | ~$244/mo | ~$195/mo |
| $50,000 | ~$610/mo | ~$487/mo |
| $80,000 | ~$984/mo | ~$778/mo |
Formula: max loan = (home value × CLTV%) − mortgage balance. See current rate averages and full home equity loan guide.
Disclaimer: Educational estimates only — not a loan offer. Actual approval, rates, and fees depend on your lender. Consult licensed professionals before borrowing.