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Mortgage & Home Loans · Mortgage Analysis

HELOC Calculator

Home equity line of credit — interest-only draw period and repayment-period payments.

  • Free to use here · embed on the Free plan
  • 5 inputs · 7 results
  • English & Spanish

Try the HELOC Calculator

Estimate your HELOC payments — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the HELOC calculator works out

The HELOC Calculator is a free, embeddable calculator from CalcFunnel. Home equity line of credit — interest-only draw period and repayment-period payments.

You enter 5 inputs: HELOC credit limit, amount drawn, interest rate (%), draw period (years) and repayment period (years).

It returns repayment-period payment, draw-period payment (interest only), amount drawn, available credit, total interest (repayment) and total interest (draw period), plus 1 more figure.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Repayment-Period Payment
  2. 02Draw-Period Payment (interest only)
  3. 03Amount Drawn
  4. 04Available Credit
  5. 05Total Interest (repayment)
  6. 06Total Interest (draw period)
  7. 07Total Interest (life of HELOC)

The first figure — repayment-period payment — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Credit Line & Draw

HELOC Credit Limit
The maximum amount your lender has approved you to borrow against your home equity.
Amount Drawn
How much of your credit line you have actually used (capped at the credit limit). Your interest-only payment during the draw period is based on this balance.

Rate & Repayment

Interest Rate (%)
The current annual interest rate on your HELOC. HELOCs are usually variable-rate, so this may change over time.
Draw Period (years)
How long you can borrow and pay interest only — usually 10 years.
Repayment Period (years)
The number of years you have to fully repay the drawn balance once the draw period ends.

For your website

Embed this calculator on your website

Put the HELOC Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

HELOC calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the HELOC Calculator calculate?
Home equity line of credit — interest-only draw period and repayment-period payments. It returns repayment-period payment, draw-period payment (interest only), amount drawn, available credit, total interest (repayment) and total interest (draw period), plus 1 more figure.
Q.02What information do I need to use the HELOC Calculator?
You enter 5 inputs: HELOC credit limit, amount drawn, interest rate (%), draw period (years) and repayment period (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “HELOC Credit Limit” mean in the HELOC Calculator?
The maximum amount your lender has approved you to borrow against your home equity.
Q.04What does “Amount Drawn” mean in the HELOC Calculator?
How much of your credit line you have actually used (capped at the credit limit). Your interest-only payment during the draw period is based on this balance.
Q.05Is the HELOC Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the HELOC Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the HELOC Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the HELOC results financial advice?
No. Estimates only. HELOC rates are usually variable, so payments change as you draw and as rates move; draw and repayment terms vary by lender. Confirm with your lender.

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Your website does the math. You get the lead.

The HELOC Calculator is one of 188 calculators you can brand and embed with one line of code.

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