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Home Equity Calculator

Estimate how much equity is in a home using current home value and remaining loan balances.

Updated April 11, 2026
Free online tool
Planning and research use

Why this page exists

Home equity is the ownership portion of a property after the remaining loans are backed out. This calculator helps homeowners estimate that equity quickly by comparing current home value against the remaining mortgage balance and any second loan or HELOC balance.

Interactive tool

Run the estimate

Enter your numbers and read the result first, then use the sections below to understand what affects the outcome.

Calculator

Home equity calculator

Estimate home equity from current home value and the remaining balance on your mortgage and any second loan.

Result

$155,000

Estimated home equity after subtracting total remaining loan balances from the home value entered.

Estimated home equity$155,000

Equity percentage33.3%

Total remaining loan balance$310,000

Current home value$465,000

The estimate includes about $18,000 from a second loan or HELOC balance.
At the value entered, the property holds about 33.3% equity.
Use home equity as a quick ownership snapshot, then confirm exact payoff balances and market value before making borrowing or selling decisions.

This is a planning estimate. Market value, payoff balance, and second-loan details can change the real result.

Planning note

Last updated April 11, 2026. Use this tool to compare scenarios and plan ahead, then confirm important details with the lender, employer, insurer, contractor, or other qualified provider involved in the final decision.

How it works

What the calculator is doing

Enter the home's current value and the remaining balance on the primary mortgage.

Add a second loan or HELOC balance when it applies so the remaining debt picture is more complete.

The calculator subtracts total loan balances from home value to estimate both the equity amount and the equity percentage.

Understanding your result

Home equity is most helpful as a planning number when you are deciding how much ownership stake you may have today. The result becomes more reliable when you use a realistic home value estimate and current payoff balances instead of old figures.

Browse more home tools

Examples

Ways people use this tool

Example scenarios help turn a quick estimate into a more useful comparison or planning step.

Check progress after a few years of payments

Compare the remaining mortgage balance with a current value estimate to see how ownership has changed over time.

Include a HELOC in the total

Add the second balance if you want the equity result to reflect the full amount still borrowed against the property.

Estimate before refinancing or selling

Use the equity estimate as a starting point before talking through lending or listing decisions.

FAQ

Common questions

What is home equity?

Home equity is the difference between the current value of the home and the total remaining loan balances secured by it.

Should I include a HELOC or second mortgage?

Yes. If another loan is secured by the home, including it gives a more complete estimate of the remaining debt against the property.

What if the result is negative?

A negative result means the balances entered are higher than the home's estimated value, which points to negative equity.

Related tools

Keep comparing

Use these related tools to compare nearby scenarios, check a second estimate, or keep narrowing down the right decision.

Home ToolsUpdated April 11, 2026