About Us
HELOC Calculator is an independent educational website for US homeowners who want to understand home equity lines of credit. We build free calculators and write plain-English guides that explain how HELOCs work, what they cost, and how to compare them with alternatives — so you can walk into a lender's office already informed.
Our Mission
A home equity line of credit is one of the most flexible — and most misunderstood — borrowing tools available to homeowners. Draw periods, variable rates, margins, rate caps, and payment shock are rarely explained clearly, and the fine print in a loan agreement does not help. Our mission is to demystify HELOCs with honest, jargon-free education: interactive calculators that show real numbers, and step-by-step guides that answer the questions homeowners actually ask.
Independent and Unbiased
We are not a bank, a lender, or a broker, and we have no affiliation with any financial institution. We do not sell loans, take applications, or earn commissions for referrals. Our content contains no sponsored placements and no paid rankings — when we compare options, the comparison reflects the trade-offs as we see them, not a sponsor's preferences.
How the Site Is Funded
Running the site costs money: hosting, research, and the time it takes to write and maintain accurate guides. To keep everything free for readers, the site is funded by advertising, including ads served through Google AdSense. Advertising never influences what we write. For more detail on data practices related to ads, see our Privacy Policy.
Educational Content Only
Everything on this site — calculators, guides, and FAQs — is provided for educational purposes only. It is not financial, tax, legal, or investment advice, and it is not a recommendation to take on any particular loan. Every homeowner's situation is different, and only your lender and qualified professionals can advise you on your specific circumstances. Please read our full Disclaimer before acting on anything you find here.
Start Exploring
If you are new to HELOCs, browse our guides for topics like how HELOCs work, current rate mechanics, and refinancing options. If you already have numbers in mind, head to the free HELOC calculator to estimate what a line of credit could cost you each month.
Frequently Asked Questions
Is HELOC Calculator affiliated with a bank or lender?
No. HELOC Calculator is an independent educational website with no affiliation, ownership ties, or partnerships with any bank, lender, or financial institution. Our guides are written to inform readers, not to sell any financial product.
How is HELOC Calculator funded?
The site is funded by advertising, including ads served by Google AdSense. Advertising revenue keeps our calculators and guides free to use. We do not accept sponsored placements or paid rankings in our content.
Is the HELOC calculator really free?
Yes. The calculator on our homepage is completely free to use, with no account, sign-up, or payment required. It provides estimates for educational purposes, and your actual loan terms will come from your lender.
How can I contact HELOC Calculator?
You can reach us through our contact page at heloccalc.com/contact/, where you will find a contact form and our email address. We aim to respond within a few business days.
Want to see what a HELOC could cost you?
Try the free HELOC calculator