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    Home/Calculators/Mortgage & Real Estate/HELOC Payment Calculator
    FHA, VA & Home Equity

    HELOC Payment Calculator

    Estimate interest-only HELOC payment and repayment-period payment.

    This page is an editable estimator with realistic defaults so you can model your own situation in minutes.

    Interest-only payment uses balance times monthly rate.

    Repayment payment amortizes the balance over the repayment term.

    Interest-only payment estimate$514.58
    Repayment period payment$678.75
    Total balance used$65,000
    Total repayment interest$57,174.29
    Breakdown
    Rate9.5%

    Assumptions

    • HELOC rates are often variable and can change payment amounts.
    Method

    How this calculator works

    Formula used

    Interest-only payment uses balance times monthly rate. Repayment payment amortizes the balance over the repayment term.

    Example calculation

    Plug in your own numbers and the result updates instantly. Interest-only payment uses balance times monthly rate. Repayment payment amortizes the balance over the repayment term.

    FAQ

    HELOC Payment Calculator FAQ

    Is this heloc payment calculator exact?

    No. It is a U.S.-focused estimate for planning. Actual mortgage quotes, taxes, insurance, fees, HOA dues, lender rules, and local real estate costs can vary.

    What numbers should I enter?

    Use current lender quotes, county tax estimates, insurance quotes, HOA dues, and realistic purchase or rent assumptions whenever possible.

    Is this mortgage or real estate advice?

    No. The result is educational only and is not financial, mortgage, tax, legal, or real estate advice.

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