HELOC payments are made up of two components, interest and principal payments. The principal is the amount of money you borrowed and used from your home equity line of credit, and interest is the money that you paid to use the HELOC. The HELOC payments calculator calculates the monthly payment and shows you when you will pay off your HELOC.
HELOC Loan Calculator |
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HELOC Balance: |
$60,000.00 | |||||
Monthly Payment: |
$382.50 for 72 payments $1,041.77 for 72 payments |
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Interest Only Terms: |
6 years | |||||
Total Terms: |
12 years | |||||
Total # Of Payments: |
144 | |||||
Start Date: |
Dec, 2024 | |||||
Payoff Date: |
Nov, 2036 | |||||
Total Interest Paid: |
$42,547.51 | |||||
Total Payment: |
$102,547.51 | |||||
HELOC Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Dec, 2024 | 1 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2025 | 2 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2025 | 3 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2025 | 4 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2025 | 5 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2025 | 6 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2025 | 7 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2025 | 8 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2025 | 9 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2025 | 10 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2025 | 11 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2025 | 12 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2025 | 13 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2026 | 14 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2026 | 15 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2026 | 16 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2026 | 17 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2026 | 18 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2026 | 19 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2026 | 20 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2026 | 21 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2026 | 22 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2026 | 23 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2026 | 24 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2026 | 25 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2027 | 26 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2027 | 27 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2027 | 28 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2027 | 29 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2027 | 30 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2027 | 31 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2027 | 32 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2027 | 33 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2027 | 34 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2027 | 35 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2027 | 36 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2027 | 37 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2028 | 38 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2028 | 39 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2028 | 40 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2028 | 41 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2028 | 42 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2028 | 43 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2028 | 44 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2028 | 45 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2028 | 46 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2028 | 47 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2028 | 48 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2028 | 49 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2029 | 50 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2029 | 51 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2029 | 52 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2029 | 53 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2029 | 54 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2029 | 55 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2029 | 56 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2029 | 57 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2029 | 58 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2029 | 59 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2029 | 60 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2029 | 61 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jan, 2030 | 62 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Feb, 2030 | 63 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Mar, 2030 | 64 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Apr, 2030 | 65 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| May, 2030 | 66 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jun, 2030 | 67 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Jul, 2030 | 68 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Aug, 2030 | 69 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Sep, 2030 | 70 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Oct, 2030 | 71 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Nov, 2030 | 72 | $382.50 | $0.00 | $382.50 | $60,000.00 | |
| Dec, 2030 | 73 | $382.50 | $659.27 | $1,041.77 | $59,340.73 | |
| Jan, 2031 | 74 | $378.30 | $663.47 | $1,041.77 | $58,677.26 | |
| Feb, 2031 | 75 | $374.07 | $667.70 | $1,041.77 | $58,009.56 | |
| Mar, 2031 | 76 | $369.81 | $671.96 | $1,041.77 | $57,337.60 | |
| Apr, 2031 | 77 | $365.53 | $676.24 | $1,041.77 | $56,661.36 | |
| May, 2031 | 78 | $361.22 | $680.55 | $1,041.77 | $55,980.81 | |
| Jun, 2031 | 79 | $356.88 | $684.89 | $1,041.77 | $55,295.92 | |
| Jul, 2031 | 80 | $352.51 | $689.26 | $1,041.77 | $54,606.66 | |
| Aug, 2031 | 81 | $348.12 | $693.65 | $1,041.77 | $53,913.01 | |
| Sep, 2031 | 82 | $343.70 | $698.07 | $1,041.77 | $53,214.94 | |
| Oct, 2031 | 83 | $339.25 | $702.52 | $1,041.77 | $52,512.42 | |
| Nov, 2031 | 84 | $334.77 | $707.00 | $1,041.77 | $51,805.42 | |
| Dec, 2031 | 85 | $330.26 | $711.51 | $1,041.77 | $51,093.91 | |
| Jan, 2032 | 86 | $325.72 | $716.05 | $1,041.77 | $50,377.86 | |
| Feb, 2032 | 87 | $321.16 | $720.61 | $1,041.77 | $49,657.25 | |
| Mar, 2032 | 88 | $316.56 | $725.21 | $1,041.77 | $48,932.04 | |
| Apr, 2032 | 89 | $311.94 | $729.83 | $1,041.77 | $48,202.21 | |
| May, 2032 | 90 | $307.29 | $734.48 | $1,041.77 | $47,467.73 | |
| Jun, 2032 | 91 | $302.61 | $739.16 | $1,041.77 | $46,728.57 | |
| Jul, 2032 | 92 | $297.89 | $743.88 | $1,041.77 | $45,984.69 | |
| Aug, 2032 | 93 | $293.15 | $748.62 | $1,041.77 | $45,236.07 | |
| Sep, 2032 | 94 | $288.38 | $753.39 | $1,041.77 | $44,482.68 | |
| Oct, 2032 | 95 | $283.58 | $758.19 | $1,041.77 | $43,724.49 | |
| Nov, 2032 | 96 | $278.74 | $763.03 | $1,041.77 | $42,961.46 | |
| Dec, 2032 | 97 | $273.88 | $767.89 | $1,041.77 | $42,193.57 | |
| Jan, 2033 | 98 | $268.98 | $772.79 | $1,041.77 | $41,420.78 | |
| Feb, 2033 | 99 | $264.06 | $777.71 | $1,041.77 | $40,643.07 | |
| Mar, 2033 | 100 | $259.10 | $782.67 | $1,041.77 | $39,860.40 | |
| Apr, 2033 | 101 | $254.11 | $787.66 | $1,041.77 | $39,072.74 | |
| May, 2033 | 102 | $249.09 | $792.68 | $1,041.77 | $38,280.06 | |
| Jun, 2033 | 103 | $244.04 | $797.73 | $1,041.77 | $37,482.33 | |
| Jul, 2033 | 104 | $238.95 | $802.82 | $1,041.77 | $36,679.51 | |
| Aug, 2033 | 105 | $233.83 | $807.94 | $1,041.77 | $35,871.57 | |
| Sep, 2033 | 106 | $228.68 | $813.09 | $1,041.77 | $35,058.48 | |
| Oct, 2033 | 107 | $223.50 | $818.27 | $1,041.77 | $34,240.21 | |
| Nov, 2033 | 108 | $218.28 | $823.49 | $1,041.77 | $33,416.72 | |
| Dec, 2033 | 109 | $213.03 | $828.74 | $1,041.77 | $32,587.98 | |
| Jan, 2034 | 110 | $207.75 | $834.02 | $1,041.77 | $31,753.96 | |
| Feb, 2034 | 111 | $202.43 | $839.34 | $1,041.77 | $30,914.62 | |
| Mar, 2034 | 112 | $197.08 | $844.69 | $1,041.77 | $30,069.93 | |
| Apr, 2034 | 113 | $191.70 | $850.07 | $1,041.77 | $29,219.86 | |
| May, 2034 | 114 | $186.28 | $855.49 | $1,041.77 | $28,364.37 | |
| Jun, 2034 | 115 | $180.82 | $860.95 | $1,041.77 | $27,503.42 | |
| Jul, 2034 | 116 | $175.33 | $866.44 | $1,041.77 | $26,636.98 | |
| Aug, 2034 | 117 | $169.81 | $871.96 | $1,041.77 | $25,765.02 | |
| Sep, 2034 | 118 | $164.25 | $877.52 | $1,041.77 | $24,887.50 | |
| Oct, 2034 | 119 | $158.66 | $883.11 | $1,041.77 | $24,004.39 | |
| Nov, 2034 | 120 | $153.03 | $888.74 | $1,041.77 | $23,115.65 | |
| Dec, 2034 | 121 | $147.36 | $894.41 | $1,041.77 | $22,221.24 | |
| Jan, 2035 | 122 | $141.66 | $900.11 | $1,041.77 | $21,321.13 | |
| Feb, 2035 | 123 | $135.92 | $905.85 | $1,041.77 | $20,415.28 | |
| Mar, 2035 | 124 | $130.15 | $911.62 | $1,041.77 | $19,503.66 | |
| Apr, 2035 | 125 | $124.34 | $917.43 | $1,041.77 | $18,586.23 | |
| May, 2035 | 126 | $118.49 | $923.28 | $1,041.77 | $17,662.95 | |
| Jun, 2035 | 127 | $112.60 | $929.17 | $1,041.77 | $16,733.78 | |
| Jul, 2035 | 128 | $106.68 | $935.09 | $1,041.77 | $15,798.69 | |
| Aug, 2035 | 129 | $100.72 | $941.05 | $1,041.77 | $14,857.64 | |
| Sep, 2035 | 130 | $94.72 | $947.05 | $1,041.77 | $13,910.59 | |
| Oct, 2035 | 131 | $88.68 | $953.09 | $1,041.77 | $12,957.50 | |
| Nov, 2035 | 132 | $82.60 | $959.17 | $1,041.77 | $11,998.33 | |
| Dec, 2035 | 133 | $76.49 | $965.28 | $1,041.77 | $11,033.05 | |
| Jan, 2036 | 134 | $70.34 | $971.43 | $1,041.77 | $10,061.62 | |
| Feb, 2036 | 135 | $64.14 | $977.63 | $1,041.77 | $9,083.99 | |
| Mar, 2036 | 136 | $57.91 | $983.86 | $1,041.77 | $8,100.13 | |
| Apr, 2036 | 137 | $51.64 | $990.13 | $1,041.77 | $7,110.00 | |
| May, 2036 | 138 | $45.33 | $996.44 | $1,041.77 | $6,113.56 | |
| Jun, 2036 | 139 | $38.97 | $1,002.80 | $1,041.77 | $5,110.76 | |
| Jul, 2036 | 140 | $32.58 | $1,009.19 | $1,041.77 | $4,101.57 | |
| Aug, 2036 | 141 | $26.15 | $1,015.62 | $1,041.77 | $3,085.95 | |
| Sep, 2036 | 142 | $19.67 | $1,022.10 | $1,041.77 | $2,063.85 | |
| Oct, 2036 | 143 | $13.16 | $1,028.61 | $1,041.77 | $1,035.24 | |
| Nov, 2036 | 144 | $6.60 | $1,035.24 | $1,041.84 | $0.00 | |
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