Calculate home equity and loan-to-value from value and mortgage balance.
MALAMALAMA I TE TALI
E fika pefea te mea tenei?
This calculator applies the displayed mortgage formula directly to your inputs. It keeps full precision during the calculation and rounds only the displayed result.
Home Equity formulaHome equity = current value − mortgage balance
Se fakaakoakoga aoga
Using the default example values, the calculator substitutes 520,000 and 310,000 into the formula. Change the values to model your own scenario.
Ikuga ne fika
Current home value
Mortgage balance
Ikuga ne fika
$416,000.00
$310,000.00
$106,000.00
$520,000.00
$310,000.00
$210,000.00
$624,000.00
$310,000.00
$314,000.00
Manatu fakavae, fakamatala mo mea ‵se masani
Manatu fakavae o te fika
The values entered for current home value and mortgage balance are accurate for the scenario.
Rates and recurring amounts remain constant for the period represented by the formula.
Provider fees, taxes and timing differences are excluded unless they are explicit inputs.
Auala ke fakamatala te ikuga
Treat the main number as a planning estimate, not a quote, approval or guarantee.
Compare at least a baseline, lower and higher assumption before deciding.
Use the result together with the related mortgage calculators for a broader view.
Mea ‵se masani ke ‵kalo kea‵tea
Entering a percentage as a decimal when the field expects a whole percent.
Comparing results that use different time periods or omit different fees.
Rounding inputs early or treating an estimated rate as guaranteed.