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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Same goal, very different math. We break down monthly payment, total interest, closing costs, and the situations where each one wins.
A decision framework for when to tap home equity vs. when to leave it alone — written for homeowners, not for banks.