Home Equity Growth Calculator

Project your home equity growth through mortgage paydown and appreciation.

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Equity Growth

Enter your home value, mortgage details, and appreciation rate.

Projected equity
$0
Current equity: $0
Current equity
$0
Future home value
$0
Remaining mortgage
$0
Projected equity
$0
Equity growth
$0
Equity CAGR
0%

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Current home value ($)$400,000
Mortgage balance ($)$300,000
Interest rate (%)6.5%
Remaining term (years)25
Annual appreciation (%)3%
Projection period (years)10
ResultValue
Projected equity$305,032
Current equity$100,000
Future home value$537,567
Remaining mortgage$232,534
Equity growth+$205,032
Equity CAGR11.8%

Values shown are produced by this page in your browser; change any input to update them.

How to use the Equity Growth

  1. Current home value ($) — default $400,000
  2. Mortgage balance ($) — default $300,000
  3. Interest rate (%) — default 6.5%
  4. Remaining term (years) — default 25
  5. Annual appreciation (%) — default 3%
  6. Projection period (years) — default 10
  7. Press Calculate to update the results instantly.

Frequently asked questions

Two ways: paying down the mortgage and house price appreciation. In the early years the repayment part dominates; later, appreciation usually does.
On a 30-year loan at 6%, equity passes 25% of the value in about nine years from repayments alone, faster if prices rise.
Yes, via a HELOC, a home equity loan, or a cash-out refinance. Each has costs, and borrowing against the home puts it at risk if you cannot repay.

Sources & references