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Home Equity Calculator
Estimate equity and loan-to-value ratio. Change the inputs below and the estimate updates immediately.
Input
Your numbers
Calculated result
Estimated home equity
$200,000.00
Loan-to-value
60%
Estimate only. Verify important decisions with an appropriate professional or official source.
How to use it
A quick estimate, without the spreadsheet.
Inputs and units
Enter current estimated home value and outstanding mortgage balance.
Formula
Equity = value − balance; loan-to-value = balance / value × 100.
Worked example
$500,000 value with $300,000 owed gives $200,000 equity and 60% loan-to-value.
Assumptions and limitations
Use total secured debt if you want combined equity. Equity is not available cash; selling costs, lender limits and appraised value may differ.