Calculator
Adjusted Equity Calculator
A for-fun estimate of your equity, appreciation included.
Adjusted equity rolls your purchase price forward with regional appreciation, then subtracts what you likely still owe. It's a fun, directional estimate of your equity on paper — not an appraisal, and not the number a lender uses. You only turn it into real money by selling. Borrowing against it (a HELOC or cash-out) takes a lender's own appraisal and caps you near 80% of that value.
- Rolls your purchase price forward with regional home-price data
- Shows paper equity — appreciation you haven't realized yet
- Realized in cash only when you sell; lenders use their own appraisal to lend
Frequently asked
What is adjusted equity?
It's an estimate of your equity that includes appreciation since you bought — your purchase price grown by regional home-price index data, minus estimated loan paydown. It's directional, not an appraisal.
Can I borrow against my adjusted equity?
Not directly. No lender lends on a self-serve appreciation estimate. To borrow, a lender orders their own appraisal and caps total borrowing near 80% of that value. The surest way to turn appreciation into cash is to sell.