HELOC Loan Payment Calculator
Finanzas
Gratis · Compras dentro de la app · Diseñada para iPad. No verificada para macOS.
Know exactly what your home equity line of credit will cost — before you borrow.
Most HELOC calculators only show one payment. The reality is two: a low interest‑only payment during the draw period, then a much bigger amortized payment when repayment begins. HELOC Calculator makes that "payment shock" crystal clear, so there are no surprises down the road.
Punch in your balance, rate, and terms and instantly see your payment now, your payment later, and exactly how much it jumps.
WHAT YOU CAN DO
• See both payments — interest‑only during the draw period vs. the fully amortized payment after, with the jump highlighted up front
• Full amortization schedule — every payment, split into draw and repayment phases, with a clean balance‑vs‑interest chart
• Model the real world — extra principal payments, monthly or bi‑weekly cadence, and rising or falling variable rates with a lifetime cap
• Estimate your credit line — the built‑in CLTV helper finds how much you can borrow from your home value, mortgage balance, and max combined LTV
• Compare scenarios side by side — see which option costs less in interest and total payments, with the best of each highlighted
• Save your plans — keep every scenario and pick up right where you left off
• On your wrist — a quick Apple Watch estimate for draw and after‑draw payments anywhere
PREMIUM
Upgrade to unlock the full toolkit:
• Remove all ads
• Unlimited saved scenarios
• iCloud sync across all your devices
• PDF & CSV export of any calculation, schedule, or comparison
• Support ongoing development
PRIVATE BY DESIGN
No account, no sign‑up. Your scenarios stay on your device and sync only through your own iCloud.
Whether you're financing a kitchen remodel, consolidating debt, or weighing an investment property, HELOC Calculator helps you borrow with confidence.
This app is for planning and educational purposes and does not provide financial advice. Estimates may differ from your lender's actual terms.
Subscriptions will automatically renew unless cancelled within 24-hours before the end of the current period. You can cancel anytime within your iTunes account settings. Any unused portion of a free trial (if applicable) will be forfeited if you purchase a subscription.
Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.chuchutrain.com/privacy-policy.html
Calificaciones y reseñas
- Esta app no ha recibido suficientes calificaciones ni reseñas para mostrar un resumen.
El desarrollador (ChuChu Train Productions) indicó que las prácticas de privacidad de la app pueden incluir el manejo de datos que se describe a continuación. Para obtener más detalles, consulta la política de privacidad del desarrollador .
Datos usados para rastrearte
Los siguientes datos pueden usarse para rastrearte en apps y sitios web que son propiedad de otras empresas:
- Ubicación
- Identificadores
- Datos de uso
Datos asociados con tu identidad
Los siguientes datos pueden recopilarse y asociarse con tu identidad:
- Ubicación
- Identificadores
- Datos de uso
Accesibilidad
El desarrollador aún no ha indicado cuáles funciones de accesibilidad admite esta app. Obtén detalles
Ficha técnica
- Vendedor
- Michael Chu
- Tamaño
- 12 MB
- Categoría
- Finanzas
- Compatibilidad
Requiere iOS 18.6 o posterior.
- iPhone
Requiere iOS 18.6 o posterior. - iPad
Requiere iPadOS 18.6 o posterior. - Mac
Requiere macOS 15.6 o posterior y una Mac con el chip M1 de Apple o posterior. - Apple Vision
Requiere visionOS 2.6 o posterior. - Apple Watch
Requiere watchOS 11.6 o posterior.
- iPhone
- Idiomas
- Inglés
- Edad
4+
- 4+
- Compras dentro de la app
Sí
- Yearly Pass USD 24.99
- Monthly Pass USD 4.99
- Weekly Pass USD 1.99
- Copyright
- © Michael Chu 2026