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Auto & Vehicle · Financing Decisions

Home Equity Loan vs. Auto Loan Calculator

Compare financing a vehicle with a home equity loan against a standard auto loan, after taxes.

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

Try the Home Equity Loan vs. Auto Loan Calculator

See which way to finance a car costs less — 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 Home Equity Loan vs. Auto Loan calculator works out

The Home Equity Loan vs. Auto Loan Calculator is a free, embeddable calculator from CalcFunnel. Compare financing a vehicle with a home equity loan against a standard auto loan, after taxes.

You enter 6 inputs: amount to finance, auto loan rate (%), auto loan term (months), home equity rate (%), home equity term (months) and marginal tax rate (%).

It returns after-tax savings (Home equity), auto loan payment, home equity payment, auto total interest, home equity interest (After tax) and lower-cost option.

Built for auto lenders, dealers and credit unions. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Auto & Vehicle category.

Results it shows

  1. 01After-Tax Savings (Home Equity)
  2. 02Auto Loan Payment
  3. 03Home Equity Payment
  4. 04Auto Total Interest
  5. 05Home Equity Interest (After Tax)
  6. 06Lower-Cost Option

The first figure — after-tax savings (home equity) — 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.

Amount & Auto Loan

Amount to Finance
The amount you need to borrow for the vehicle, the same under either option.
Auto Loan Rate (%)
The interest rate on a standard auto loan.
Auto Loan Term (months)
The repayment period of the auto loan in months.

Home Equity Loan

Home Equity Rate (%)
The interest rate on the home equity loan.
Home Equity Term (months)
The repayment period of the home equity loan in months.
Marginal Tax Rate (%)
Your marginal tax rate, applied to home equity interest ONLY if it qualifies as deductible. Leave at 0 when the loan buys a vehicle — that interest is not deductible.

For your website

Embed this calculator on your website

Put the Home Equity Loan vs. Auto 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 vs. Auto Loan calculator FAQs

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

Q.01What does the Home Equity Loan vs. Auto Loan Calculator calculate?
Compare financing a vehicle with a home equity loan against a standard auto loan, after taxes. It returns after-tax savings (Home equity), auto loan payment, home equity payment, auto total interest, home equity interest (After tax) and lower-cost option.
Q.02What information do I need to use the Home Equity Loan vs. Auto Loan Calculator?
You enter 6 inputs: amount to finance, auto loan rate (%), auto loan term (months), home equity rate (%), home equity term (months) and marginal tax rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Amount to Finance” mean in the Home Equity Loan vs. Auto Loan Calculator?
The amount you need to borrow for the vehicle, the same under either option.
Q.04What does “Auto Loan Rate (%)” mean in the Home Equity Loan vs. Auto Loan Calculator?
The interest rate on a standard auto loan.
Q.05Is the Home Equity Loan vs. Auto Loan Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Auto & Vehicle category. Compare plans.
Q.06Can I embed the Home Equity Loan vs. Auto 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 vs. Auto 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 vs. Auto Loan results financial advice?
No. Estimates only. Home equity interest is generally tax-deductible ONLY when the loan is used to buy, build, or substantially improve the home — interest on a home equity loan used to buy a vehicle is usually NOT deductible. A negative savings means the auto loan costs less. Using home equity also puts your home at risk. Consult a tax professional.

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Your website does the math. You get the lead.

The Home Equity Loan vs. Auto 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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