How to use this calculator
- Enter property value estimate, total property-secured debt.
- Choose a display currency, then select Calculate. Results also update after a brief pause while you edit.
- Read the result with the assumptions below. Export details or save a second scenario to compare your choices.
Formula and method
Home equity = estimated property value − total property-secured debt.
Assumptions and limitations
Selling costs, early-repayment charges, taxes and lender limits are excluded.
Worked example
With property value estimate = 250000, total property-secured debt = 180000, estimated home equity is approximately 70000.
What the result means
Equity can be negative and is not necessarily available to borrow or spend.
Common questions
How should I interpret estimated home equity?
Equity can be negative and is not necessarily available to borrow or spend.
What should I check before using this result?
Selling costs, early-repayment charges, taxes and lender limits are excluded.
Methodology and transparency
Calculation specification reviewed on 2026-10-14. Mathematical implementation is tested against independent reference fixtures. This does not imply review by a licensed financial professional. Read the testing and precision policy.