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

No Brasil

Até 60% do imóvel quitado. Taxas: 0,8-1,5%/mês (vs 3-7% pessoal). Imóvel R$500.000 quitado: até R$300.000. Prazo: até 240 meses. É o crédito mais barato depois do imobiliário.

Cuidados

Seu imóvel é garantia — inadimplência = perda. Use para: reformas, investimento com retorno > juros, consolidação de dívidas caras. NUNCA para consumo.

⚡ 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

Quanto posso pegar?▾

Até 60% do valor quitado. Alguns bancos: até 80%.

Home equity vs pessoal?▾

Home equity: 0,8-1,5%/mês. Pessoal: 3-7%. Diferença enorme em valores altos.

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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 →