# HELOC Calculator

> HELOC calculator: estimate your home equity line of credit limit, monthly interest-only and repay payments, and total cost. Free, editable rates, no signup.

- **Canonical URL:** https://boringtoolskit.com/heloc-calculator/
- **Category:** Everyday Calculators
- **Evidence level:** authored-methodology
- **Reviewed:** August 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## How it works

Interest-only payment = balance × monthly rate. Amortized payment = balance × r ÷ (1 − (1+r)^−n).

## Sources

- [Calculation methodology and verification standard](/methodology/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*