# Equity Calc - Home Value Tool — HELOC & Equity Calculator

> HELOC & Equity Calculator (iPhone/iPad app by Tae Hee Sohn.)

- Source: https://appshunter.io/ios/app/equity-calc-home-value-tool/id6757654462 (this page in markdown: same URL + `.md`)
- Developer: [Tae Hee Sohn](https://appshunter.io/developer/1244732222)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 29 MB
- Languages: American English
- Released: 2026-01-12
- Data updated: 2026-05-14
- User reviews in markdown: https://appshunter.io/ios/app/equity-calc-home-value-tool/id6757654462/reviews.md

## What is Equity Calc?

Equity Calc instantly shows you how much equity you have in your home and how much you can borrow with a HELOC or home equity loan.

WHAT IS HOME EQUITY?
Home equity is the difference between your home's market value and what you owe. It's money you can tap into for renovations, debt consolidation, emergencies, or investments.

KEY FEATURES:
• Calculate your current home equity instantly
• See your loan-to-value (LTV) ratio
• Find out how much you can borrow via HELOC
• Compare different LTV limits (70p, 80p, 85p, 90p, 95p)
• Works offline - no account needed

HOW IT WORKS:
1. Enter your home's current market value
2. Enter your mortgage balance
3. Add any other liens (optional)
4. Select your target LTV limit
5. See your equity and borrowing power instantly

WHAT IS LTV?
Loan-to-Value (LTV) ratio compares your total debt to your home's value. Most lenders cap HELOCs at 80-85 percent LTV.

Example:
• Home Value: $400,000
• Mortgage: $250,000
• At 80 percent LTV: Can borrow up to $70,000

PERFECT FOR:
• Homeowners considering HELOC
• Planning home renovations
• Debt consolidation planning
• Cash-out refinance evaluation
• Understanding your net worth

No sign-up. No data collection. Just simple, accurate equity calculations.

Download now and discover your home's hidden value!


## Version history (last 1 release)

### 1.0 — 2026-01-13

No release notes.

## More apps by Tae Hee Sohn

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- [Calorie Camera: Food Scanner](https://appshunter.io/ios/app/calorie-camera-food-scanner/id6753895960)

All apps by Tae Hee Sohn: https://appshunter.io/developer/1244732222

## Related topics

[home loan equity](https://appshunter.io/ios/topics/home-loan-equity)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-14.*