Helocator
Free HELOC & home equity calculators, no signup
Helocator launched on June 16, 2026 with 3 votes, #6,658 of 22,647 launches that month and more than 50% of that year's launches.
What it does
Helocator is a set of free, no-signup calculators for HELOCs, home equity loans and cash-out refinancing. Enter your home value and mortgage to instantly see how much you can borrow, your monthly payment across the draw and repayment periods, and how options compare side by side. Everything runs in your browser — nothing is uploaded. It even has a version for all 50 states, pre-filled with the typical local home value.
Calculate how much you can borrow with a HELOC or home equity loan. Enter your home value and mortgage balance to see your available equity at an 80–90% combined LTV.
You can typically borrow up to 80–90% of your home’s value minus your mortgage balance . Enter your numbers to estimate your home equity line of credit — instantly, with nothing uploaded. with a HELOC or home equity loan, at a 85 % combined loan-to-value limit. Lenders set final limits based on credit, income and a home appraisal. Lenders cap the combined loan-to-value (CLTV) — your mortgage plus the new line of credit — at a percentage of your home’s appraised value, usually 80–90%. The formula is: available HELOC = (home value × max CLTV%) − mortgage balance The result is an estimate of your borrowing power. Your actual limit, rate and approval depend on your credit score, income,…from helocator.com
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Source: Product Hunt launch ↗
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