About HELOC Ledger
HELOC Ledger is a focused, fast, ad-supported home-equity calculator and education site. It exists because the big-bank tools are slow, the comparison sites are bloated, and the math behind a HELOC genuinely confuses a lot of homeowners — including ones who've already signed for one.
What we are
A small independent publisher. We build clean tools and write clear explanations. Our revenue model is straightforward: display advertising, plus the occasional clearly-labeled partner placement when we recommend a product we'd actually use.
What we are not
- We are not financial advisors. We don't know your full situation. Nothing on this site is personalized financial, tax, or legal advice.
- We are not a lender. We won't quote you a rate, pull your credit, or take your loan application. We can help you walk into a lender's office better prepared.
- We are not a lead-generation flytrap. Subscribing to our newsletter does not enroll you in a 14-call-a-day mortgage broker rotation. We never sell or share your email.
Methodology
Our calculator uses standard amortization math: interest-only payments during the draw period, then a fixed-term P+I amortization on the post-draw balance using the supplied APR. We assume APR is constant — real HELOCs are variable, and you should stress-test your numbers at higher rates (we suggest +3% and +5%).
Our articles are written by humans, fact-checked against published sources (CFPB, lender disclosures, IRS Publication 936), and dated. When a number changes — rates, deduction rules, regulatory thresholds — we update the article and bump the modified date.
Editorial independence
Display ads on this site are served programmatically. We do not control which advertisers appear, and an ad placement on this site is not an endorsement. Where we ever publish a sponsored or affiliate placement, it will be clearly labeled as such inside the article.
Get in touch
Found a math error, a typo, or a rate range that's drifted out of date? Email us — we'd rather hear about it from you than have the next reader trip on it.