Equity Calc vs Ample

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!

Stop leaving money on the table. Ample tracks your credit card benefits — no bank connection, no logins, no sensitive data. Set reminders before perks expire and see exactly how much value you're getting from every card you carry. TRACK YOUR BENEFITS Add your cards and instantly see every perk — dining credits, travel credits, lounge access, statement credits, streaming subscriptions, and more. Track usage as you go and see exactly what's left in each period, whether it resets monthly, quarterly, semi-annually, annually, or over multiple years. SMART REMINDERS Get notified before benefits reset or expire. Set reminders at the start of the period, midway through, or right before the deadline — so you never miss out on a credit you already paid for. SHOULD YOU KEEP THE CARD? Ample does the math on every card. See whether you're ahead of the annual fee or behind it, with a clear "+$X ahead" verdict that takes the guesswork out of renewal season. Decide which cards earn their keep — and which to cancel. SEE YOUR ROI Know exactly how much of your annual fee you've recovered. Ample tracks your progress across every card and benefit so your money never goes to waste. YOUR DATA, YOUR WAY Everything stays on your device by default. Enable optional cloud backup to sync across devices — your identity stays anonymous, and your data is encrypted in transit and at rest. No account, no email list, just a one-time code to sign in. WORKS EVERYWHERE A native app for iPhone, iPad, and Mac. Add a benefit on your phone and review your cards on your Mac — it all stays in sync. AMPLE PRO Track one card free with all features included. Upgrade once for $4.99 to unlock unlimited cards, cloud backup, and home screen widgets. One-time purchase — no subscriptions, ever. • 24+ supported cards from American Express, Chase, Capital One, Citi, Bank of America, Barclays, Bilt, Wells Fargo, and more • Benefit tracking from monthly to multi-year • Keep-or-cancel decision calculator for every card • Custom benefits for any card or perk we don't cover yet • Export and import your data as JSON backups • Home screen widgets (Pro) • Built by an independent developer. No ads. No data selling.