// multi-utility computation suite · offline · instant · precise
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real.home-equity Calculator
Calculates current home equity from appraised value and outstanding mortgage balance, and computes Loan-to-Value (LTV) ratio. LTV below 80% avoids PMI; below 60% typically unlocks the best HELOC rates.
Inputs
Value
Current market or appraised value of the property. Used to calculate LTV ratio, which affects your rate and PMI requirement.
Mortgage
Age in completed years. Many health and fitness formulas adjust for age.
Monthly Pmt
Reference formula or conversion factor shown for context.
Rate
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Results
home equity
Reference formula or conversion factor shown for context.
LTV ratio
Loan-to-value ratio — loan as % of property value. Above 80%: PMI typically required. Above 95%: high-risk to lenders. Below 80%: PMI can be removed.
principal paid/month
Sample size or count used in the calculation.
interest paid/month
Sample size or count used in the calculation.
HELOC limit est. (65% equity)
Reference formula or conversion factor shown for context.
equity %
Reference formula or conversion factor shown for context.