United States HELOC
Estimate the monthly payment on a home-equity line of credit in the United States.
About United States HELOC
HELOCs use a variable rate tied to the prime rate in the United States. In the draw period payments are often interest-only, then the balance amortizes in repayment. This shows both modes.
Formula
Payment
Interest-only: P × monthly rate; Amortized: standard PMT
Estimate — variable rates change with prime.
Frequently Asked Questions
Are HELOC rates fixed?
No — most are variable, so your payment can change as the prime rate moves.
How accurate is this estimate?
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.
Related Calculators
United States specifics
- Currency
- $ USDUS Dollar
- Region
- North America
- Country code
- US
- Amounts look like
- $1,234,567.89
- Dates look like
- Mar 9, 2026
- Units
- imperialWeek starts Sunday
In United States, imperial units are in everyday use.
Results on this page are expressed in USD (US Dollar). Figures are estimates for general planning — confirm current rates and thresholds with the relevant United States authority before relying on them.
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