The HELOC calculator that explains itself.
Run your home-equity numbers in seconds. See draw-period interest, repayment-period payments, total interest paid, and the actual payoff date — in plain English. No login, no spam, no popups blocking the answer.
Why HELOC Ledger exists
Most HELOC calculators are buried inside finance portals that take 4–5 seconds to load and bury the answer under banner ads. We strip it down.
A HELOC has two phases — a draw period and a repayment period — and they behave very differently. Our calculator shows both side-by-side.
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In-depth guides
Browse all guides →Monthly payment, total interest, closing costs, and when each one wins.
Variable vs. fixed rates, draw periods, and the situations where each option wins.
CLTV rules, debt-to-income tests, and how to estimate your maximum line.
How rates are calculated, what drives prime, and how to negotiate.
The 2017 rules and how to qualify in 2026.
How both phases work and how to avoid the conversion payment shock.