Are you a homeowner looking for a HELOC loan? Use the HELOC calculator to calculate the costs and monthly payments of getting a home equity line of credit. The HELOC payment calculator calculates payment for both the interest-only period and repayment period.
Interest Only HELOC Calculator |
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Current HELOC Balance: |
$150,000.00 | |||||
Monthly Payment: |
$856.25 for 72 payments $2,959.58 for 60 payments |
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Interest Only Terms: |
6 years | |||||
Total Terms: |
11 years | |||||
Total # Of Payments: |
132 | |||||
Start Date: |
Nov, 2024 | |||||
Payoff Date: |
Oct, 2035 | |||||
Total Interest Paid: |
$89,224.47 | |||||
Total Payment: |
$239,224.80 | |||||
HELOC Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Nov, 2024 | 1 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2024 | 2 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2025 | 3 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2025 | 4 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2025 | 5 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2025 | 6 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2025 | 7 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2025 | 8 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2025 | 9 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2025 | 10 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2025 | 11 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2025 | 12 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2025 | 13 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2025 | 14 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2026 | 15 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2026 | 16 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2026 | 17 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2026 | 18 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2026 | 19 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2026 | 20 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2026 | 21 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2026 | 22 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2026 | 23 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2026 | 24 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2026 | 25 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2026 | 26 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2027 | 27 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2027 | 28 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2027 | 29 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2027 | 30 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2027 | 31 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2027 | 32 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2027 | 33 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2027 | 34 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2027 | 35 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2027 | 36 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2027 | 37 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2027 | 38 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2028 | 39 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2028 | 40 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2028 | 41 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2028 | 42 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2028 | 43 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2028 | 44 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2028 | 45 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2028 | 46 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2028 | 47 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2028 | 48 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2028 | 49 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2028 | 50 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2029 | 51 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2029 | 52 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2029 | 53 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2029 | 54 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2029 | 55 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2029 | 56 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2029 | 57 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2029 | 58 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2029 | 59 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2029 | 60 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2029 | 61 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Dec, 2029 | 62 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jan, 2030 | 63 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Feb, 2030 | 64 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Mar, 2030 | 65 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Apr, 2030 | 66 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| May, 2030 | 67 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jun, 2030 | 68 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Jul, 2030 | 69 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Aug, 2030 | 70 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Sep, 2030 | 71 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Oct, 2030 | 72 | $856.25 | $0.00 | $856.25 | $150,000.00 | |
| Nov, 2030 | 73 | $856.25 | $2,103.33 | $2,959.58 | $147,896.67 | |
| Dec, 2030 | 74 | $844.24 | $2,115.34 | $2,959.58 | $145,781.33 | |
| Jan, 2031 | 75 | $832.17 | $2,127.41 | $2,959.58 | $143,653.92 | |
| Feb, 2031 | 76 | $820.02 | $2,139.56 | $2,959.58 | $141,514.36 | |
| Mar, 2031 | 77 | $807.81 | $2,151.77 | $2,959.58 | $139,362.59 | |
| Apr, 2031 | 78 | $795.53 | $2,164.05 | $2,959.58 | $137,198.54 | |
| May, 2031 | 79 | $783.17 | $2,176.41 | $2,959.58 | $135,022.13 | |
| Jun, 2031 | 80 | $770.75 | $2,188.83 | $2,959.58 | $132,833.30 | |
| Jul, 2031 | 81 | $758.26 | $2,201.32 | $2,959.58 | $130,631.98 | |
| Aug, 2031 | 82 | $745.69 | $2,213.89 | $2,959.58 | $128,418.09 | |
| Sep, 2031 | 83 | $733.05 | $2,226.53 | $2,959.58 | $126,191.56 | |
| Oct, 2031 | 84 | $720.34 | $2,239.24 | $2,959.58 | $123,952.32 | |
| Nov, 2031 | 85 | $707.56 | $2,252.02 | $2,959.58 | $121,700.30 | |
| Dec, 2031 | 86 | $694.71 | $2,264.87 | $2,959.58 | $119,435.43 | |
| Jan, 2032 | 87 | $681.78 | $2,277.80 | $2,959.58 | $117,157.63 | |
| Feb, 2032 | 88 | $668.77 | $2,290.81 | $2,959.58 | $114,866.82 | |
| Mar, 2032 | 89 | $655.70 | $2,303.88 | $2,959.58 | $112,562.94 | |
| Apr, 2032 | 90 | $642.55 | $2,317.03 | $2,959.58 | $110,245.91 | |
| May, 2032 | 91 | $629.32 | $2,330.26 | $2,959.58 | $107,915.65 | |
| Jun, 2032 | 92 | $616.02 | $2,343.56 | $2,959.58 | $105,572.09 | |
| Jul, 2032 | 93 | $602.64 | $2,356.94 | $2,959.58 | $103,215.15 | |
| Aug, 2032 | 94 | $589.19 | $2,370.39 | $2,959.58 | $100,844.76 | |
| Sep, 2032 | 95 | $575.66 | $2,383.92 | $2,959.58 | $98,460.84 | |
| Oct, 2032 | 96 | $562.05 | $2,397.53 | $2,959.58 | $96,063.31 | |
| Nov, 2032 | 97 | $548.36 | $2,411.22 | $2,959.58 | $93,652.09 | |
| Dec, 2032 | 98 | $534.60 | $2,424.98 | $2,959.58 | $91,227.11 | |
| Jan, 2033 | 99 | $520.75 | $2,438.83 | $2,959.58 | $88,788.28 | |
| Feb, 2033 | 100 | $506.83 | $2,452.75 | $2,959.58 | $86,335.53 | |
| Mar, 2033 | 101 | $492.83 | $2,466.75 | $2,959.58 | $83,868.78 | |
| Apr, 2033 | 102 | $478.75 | $2,480.83 | $2,959.58 | $81,387.95 | |
| May, 2033 | 103 | $464.59 | $2,494.99 | $2,959.58 | $78,892.96 | |
| Jun, 2033 | 104 | $450.35 | $2,509.23 | $2,959.58 | $76,383.73 | |
| Jul, 2033 | 105 | $436.02 | $2,523.56 | $2,959.58 | $73,860.17 | |
| Aug, 2033 | 106 | $421.62 | $2,537.96 | $2,959.58 | $71,322.21 | |
| Sep, 2033 | 107 | $407.13 | $2,552.45 | $2,959.58 | $68,769.76 | |
| Oct, 2033 | 108 | $392.56 | $2,567.02 | $2,959.58 | $66,202.74 | |
| Nov, 2033 | 109 | $377.91 | $2,581.67 | $2,959.58 | $63,621.07 | |
| Dec, 2033 | 110 | $363.17 | $2,596.41 | $2,959.58 | $61,024.66 | |
| Jan, 2034 | 111 | $348.35 | $2,611.23 | $2,959.58 | $58,413.43 | |
| Feb, 2034 | 112 | $333.44 | $2,626.14 | $2,959.58 | $55,787.29 | |
| Mar, 2034 | 113 | $318.45 | $2,641.13 | $2,959.58 | $53,146.16 | |
| Apr, 2034 | 114 | $303.38 | $2,656.20 | $2,959.58 | $50,489.96 | |
| May, 2034 | 115 | $288.21 | $2,671.37 | $2,959.58 | $47,818.59 | |
| Jun, 2034 | 116 | $272.96 | $2,686.62 | $2,959.58 | $45,131.97 | |
| Jul, 2034 | 117 | $257.63 | $2,701.95 | $2,959.58 | $42,430.02 | |
| Aug, 2034 | 118 | $242.20 | $2,717.38 | $2,959.58 | $39,712.64 | |
| Sep, 2034 | 119 | $226.69 | $2,732.89 | $2,959.58 | $36,979.75 | |
| Oct, 2034 | 120 | $211.09 | $2,748.49 | $2,959.58 | $34,231.26 | |
| Nov, 2034 | 121 | $195.40 | $2,764.18 | $2,959.58 | $31,467.08 | |
| Dec, 2034 | 122 | $179.62 | $2,779.96 | $2,959.58 | $28,687.12 | |
| Jan, 2035 | 123 | $163.76 | $2,795.82 | $2,959.58 | $25,891.30 | |
| Feb, 2035 | 124 | $147.80 | $2,811.78 | $2,959.58 | $23,079.52 | |
| Mar, 2035 | 125 | $131.75 | $2,827.83 | $2,959.58 | $20,251.69 | |
| Apr, 2035 | 126 | $115.60 | $2,843.98 | $2,959.58 | $17,407.71 | |
| May, 2035 | 127 | $99.37 | $2,860.21 | $2,959.58 | $14,547.50 | |
| Jun, 2035 | 128 | $83.04 | $2,876.54 | $2,959.58 | $11,670.96 | |
| Jul, 2035 | 129 | $66.62 | $2,892.96 | $2,959.58 | $8,778.00 | |
| Aug, 2035 | 130 | $50.11 | $2,909.47 | $2,959.58 | $5,868.53 | |
| Sep, 2035 | 131 | $33.50 | $2,926.08 | $2,959.58 | $2,942.45 | |
| Oct, 2035 | 132 | $16.80 | $2,942.78 | $2,959.58 | $0.00 | |
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