HELOC Calculator
Calculate HELOC payments for draw and repayment periods. See max available credit and total interest cost.
Max HELOC Available
$80,000.00
Interest-Only Payment
$354.17/mo
During draw period
P&I Payment
$433.91/mo
During repayment
HELOC Details
| HELOC Amount | $50,000.00 |
| Combined LTV | 73.3% |
| Draw Period Interest-Only | $354.17/mo |
| Repayment Period P&I | $433.91/mo |
| Interest During Draw Period | $42,500.00 |
| Interest During Repayment | $54,138.79 |
| Total Interest Paid | $96,638.79 |
HELOC vs Cash-Out Refinance
| HELOC Monthly (repayment) | $433.91/mo |
| Cash-Out Refi Monthly (7%, 30yr) | $2,195.50/mo |
| HELOC Total Interest | $96,638.79 |
| Cash-Out Refi Total Interest | $460,379.36 |
Use the HELOC Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
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