Tool
Home Equity Calculator
See how much of your home you actually own.
Your equity is your home's current value minus everything you owe against it — the number behind almost every homeowner decision. This calculator estimates your equity and loan-to-value from your address and balance, so you know which moves are even on the table.
- Estimate your equity from current value minus what you owe
- See your loan-to-value ratio and what it unlocks
- Understand whether refinancing or tapping equity fits your situation
Frequently asked
How do I calculate my home equity?
Equity equals your home's current market value minus the total of all loans secured by it. Use today's estimated value, not what you paid — the calculator pulls an estimate from your address.
What loan-to-value ratio do I need to tap equity?
Most lenders want combined loan-to-value under about 85% to open a HELOC, and under 80% for the best refinance terms. The calculator shows where you stand.