Finance

Home Equity Loan Calculator

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate home equity loan payments and available equity. HELOC vs lump sum comparison. Free calculator.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

How to Use This Calculator
Tips for Best Results

In Deutschland

Nachrangdarlehen: 2-4% Zinsen (vs. 6-10% Privatkredit). Bis 60-80% des freien Eigenkapitals. Fuer wertsteigernde Investitionen: ideal. Fuer Konsum: NIEMALS.

Risiko

Immobilie ist Sicherheit — Zahlungsausfall = Zwangsversteigerung.

⚡ CalcWolf Insight

Since 2018, home equity loan interest is tax-deductible only when funds are used for home improvements. Using equity for debt consolidation is no longer deductible — a change that affects the true cost by 22-37%.

Frequently asked questions

Wie viel verfuegbar?▾

60-80% des freien Eigenkapitals.

Nachrang vs. Privatkredit?▾

Nachrang: 2-4%. Privat: 6-10%. Enorme Differenz.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →