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Mortgage & Home Loans · Mortgage Analysis

Home Equity Loan Calculator

Fixed-rate second mortgage payment and how much equity you can borrow.

  • Free to use here · embed on the Free plan
  • 5 inputs · 6 results
  • English & Spanish

Try the Home Equity Loan Calculator

Estimate a home equity loan — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Home Equity Loan calculator works out

The Home Equity Loan Calculator is a free, embeddable calculator from CalcFunnel. Fixed-rate second mortgage payment and how much equity you can borrow.

You enter 5 inputs: home value, current mortgage balance, equity loan amount, interest rate (%) and loan term (years).

It returns monthly payment, loan amount, max available (85% CLTV), total interest, total repaid and combined Loan-to-Value.

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. 01Monthly Payment
  2. 02Loan Amount
  3. 03Max Available (85% CLTV)
  4. 04Total Interest
  5. 05Total Repaid
  6. 06Combined Loan-to-Value

The first figure — monthly 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.

Home & Equity

Home Value
The current estimated market value of your home. This determines how much equity you have available to borrow against.
Current Mortgage Balance
What you still owe on your primary mortgage. Together with the home value, this sets your available equity.
Equity Loan Amount
The amount you want to borrow with this home equity loan. Most lenders cap it so your total borrowing stays within 85% of the home value (85% CLTV) — compare with Max Available.

Loan Terms

Interest Rate (%)
The fixed annual interest rate on your home equity loan. Home equity loans carry a fixed rate unlike HELOCs.
Loan Term (years)
How many years you have to repay the home equity loan. A shorter term means higher monthly payments but less total interest.

For your website

Embed this calculator on your website

Put the Home Equity Loan 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

Home Equity Loan calculator FAQs

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

Q.01What does the Home Equity Loan Calculator calculate?
Fixed-rate second mortgage payment and how much equity you can borrow. It returns monthly payment, loan amount, max available (85% CLTV), total interest, total repaid and combined Loan-to-Value.
Q.02What information do I need to use the Home Equity Loan Calculator?
You enter 5 inputs: home value, current mortgage balance, equity loan amount, interest rate (%) and loan term (years). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Home Value” mean in the Home Equity Loan Calculator?
The current estimated market value of your home. This determines how much equity you have available to borrow against.
Q.04What does “Current Mortgage Balance” mean in the Home Equity Loan Calculator?
What you still owe on your primary mortgage. Together with the home value, this sets your available equity.
Q.05Is the Home Equity Loan 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 Home Equity Loan 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 Home Equity Loan 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 Home Equity Loan results financial advice?
No. Estimates only. The amount you can borrow depends on your home's appraised value, existing mortgage balance and lender limits. Confirm rates and terms with a licensed lender.

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Your website does the math. You get the lead.

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

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  • 14-day trial on Pro & Business
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