smarts.Home equity calculator

See how much of your home equity you could turn into cash

Get an instant estimate for a home equity agreement, which has no monthly payments, next to a HELOC. It is only arithmetic, so there is no credit check to see it.

Companies we compare Hometap Unlock Point Splitero Unison Nada Figure See how they compare

Estimate your home equity

Slide to your numbers. The estimate updates as you move.

$450,000
$100K$2.5M$5M
$200,000
$0$2M$4M
Optional

Add your ZIP to see a company that serves your state.

Your estimated home equity agreement range

$67,500 to $121,500

An estimate, not an offer. A company's own figure depends on its review of your home, your credit and your state, and could be lower.

Your equity (estimate)$250,000
Home equity agreement (estimate)$67,500 to $121,500
HELOC (estimate)$160,000 to $182,500

How this estimate works: equity is home value minus mortgage balance. The agreement range runs from 15% of home value (the most Unison says it offers, up to $500,000) to 27% (the most Hometap says it offers, up to $600,000), and assumes your mortgage plus the amount stays at or under 75% of home value, because Hometap asks for at least 25% equity. The HELOC range assumes a combined loan-to-value of 80% to 85%, up to the $750,000 maximum Figure lists. Company figures as read on October 6, 2026.

Your next step

Our link sends you to a company that serves your state. Add your ZIP above to see which one before you continue.

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  • This estimate, sent to your inbox
  • A short email series comparing your options: 7 emails over 17 days
  • Then on to a company that serves your state, which does its own review
at a company that serves your state

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Next step

Taking you to a company that serves your state

Your estimate is on its way to your inbox.

What happens next

  1. You get your estimate here. It is arithmetic on the numbers you enter. There is no credit check to see it.
  2. The company you choose does its own review. It asks about you and your home, then gives you its own figure, which could be higher or lower than this estimate.
  3. No obligation. Seeing a company's figure does not commit you to anything. You decide whether to apply.

Two ways to use your home equity

The estimate above shows both. Here is how they differ in plain terms.

Home equity agreement
Monthly paymentsNone during the term
What you receiveA lump sum
What it costsThe company earns a share of your home's future value, plus fees
How it endsYou settle within the term, 10 to 30 years by company, or when you sell
Credit scorePublished minimums run from 500 to 620, by company
HELOC
Monthly paymentsYes
What you receiveA credit line secured by your home
What it costsInterest at the lender's APR, plus any fees
How it endsYou repay it over the loan term
Credit scoreSet by each lender

Deciding between the two? Read HEI vs. HELOC.

Take the next step.

Finish your estimate above, or read how the companies and the two options compare before you decide.

Back to my estimate Compare all companies HEI vs. HELOC

Some companies on this page pay Smarts when you click or apply. That can affect which companies appear and where. It never changes our ratings.

This calculator gives estimates from the two numbers you enter. It is not an offer or an approval, and Smarts is not a lender. Terms, pricing and availability change. Confirm the current terms on the company's site before you apply.

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