// multi-utility computation suite · offline · instant · precise
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fin.prime-rate-impact Calculator
Calculates the dollar impact of a change in the prime rate on variable-rate borrowings like HELOCs and ARMs. HELOCs directly track the prime rate — each 25bps rate increase adds to monthly interest cost for every open HELOC.
Inputs
Heloc Balance
Reference formula or conversion factor shown for context.
Current Prime Pct
Rate of charge flow (A). I = V/R. Above ~100 mA through the body can be lethal. Fuses protect against overcurrent.
Heloc Spread Pct
Reference formula or conversion factor shown for context.
Auto Loan Balance
Reference formula or conversion factor shown for context.
Results
current HELOC monthly interest
Electric charge flow rate (A). Governs wire sizing — too much current causes dangerous heating. Fuses protect circuits from overcurrent.
HELOC rate
The value at the specified point or condition.
cost per 25bps prime increase
The total monetary cost computed for the given inputs.
variable rate exposure
The value at the specified point or condition.
HELOC = prime +
Reference formula or conversion factor shown for context.