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HELOC Payment Calculator Excel
HELOC Payment Calculator excel calculates the monthly payments of a HELOC loan and export the HELOC amortization schedule in an excel spreadsheet.
HELOC Payment Results |
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Current HELOC Balance: |
$240,000.00 | |||||
Monthly Payment: |
$1,250.00 for 60 payments $4,667.82 for 60 payments |
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Interest Only Terms: |
5 years | |||||
Total Terms: |
10 years | |||||
Total # Of Payments: |
120 | |||||
Start Date: |
Nov, 2025 | |||||
Payoff Date: |
Oct, 2035 | |||||
Total Interest Paid: |
$115,069.44 | |||||
Total Payment: |
$355,069.44 | |||||
HELOC Payment Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Nov, 2025 | 1 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Dec, 2025 | 2 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jan, 2026 | 3 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Feb, 2026 | 4 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Mar, 2026 | 5 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Apr, 2026 | 6 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| May, 2026 | 7 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jun, 2026 | 8 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jul, 2026 | 9 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Aug, 2026 | 10 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Sep, 2026 | 11 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Oct, 2026 | 12 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Nov, 2026 | 13 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Dec, 2026 | 14 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jan, 2027 | 15 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Feb, 2027 | 16 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Mar, 2027 | 17 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Apr, 2027 | 18 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| May, 2027 | 19 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jun, 2027 | 20 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jul, 2027 | 21 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Aug, 2027 | 22 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Sep, 2027 | 23 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Oct, 2027 | 24 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Nov, 2027 | 25 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Dec, 2027 | 26 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jan, 2028 | 27 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Feb, 2028 | 28 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Mar, 2028 | 29 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Apr, 2028 | 30 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| May, 2028 | 31 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jun, 2028 | 32 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jul, 2028 | 33 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Aug, 2028 | 34 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Sep, 2028 | 35 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Oct, 2028 | 36 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Nov, 2028 | 37 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Dec, 2028 | 38 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jan, 2029 | 39 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Feb, 2029 | 40 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Mar, 2029 | 41 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Apr, 2029 | 42 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| May, 2029 | 43 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jun, 2029 | 44 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jul, 2029 | 45 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Aug, 2029 | 46 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Sep, 2029 | 47 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Oct, 2029 | 48 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Nov, 2029 | 49 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Dec, 2029 | 50 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jan, 2030 | 51 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Feb, 2030 | 52 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Mar, 2030 | 53 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Apr, 2030 | 54 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| May, 2030 | 55 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jun, 2030 | 56 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Jul, 2030 | 57 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Aug, 2030 | 58 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Sep, 2030 | 59 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Oct, 2030 | 60 | $1,250.00 | $0.00 | $1,250.00 | $240,000.00 | |
| Nov, 2030 | 61 | $1,250.00 | $3,417.82 | $4,667.82 | $236,582.18 | |
| Dec, 2030 | 62 | $1,232.20 | $3,435.62 | $4,667.82 | $233,146.56 | |
| Jan, 2031 | 63 | $1,214.31 | $3,453.51 | $4,667.82 | $229,693.05 | |
| Feb, 2031 | 64 | $1,196.32 | $3,471.50 | $4,667.82 | $226,221.55 | |
| Mar, 2031 | 65 | $1,178.24 | $3,489.58 | $4,667.82 | $222,731.97 | |
| Apr, 2031 | 66 | $1,160.06 | $3,507.76 | $4,667.82 | $219,224.21 | |
| May, 2031 | 67 | $1,141.79 | $3,526.03 | $4,667.82 | $215,698.18 | |
| Jun, 2031 | 68 | $1,123.43 | $3,544.39 | $4,667.82 | $212,153.79 | |
| Jul, 2031 | 69 | $1,104.97 | $3,562.85 | $4,667.82 | $208,590.94 | |
| Aug, 2031 | 70 | $1,086.41 | $3,581.41 | $4,667.82 | $205,009.53 | |
| Sep, 2031 | 71 | $1,067.76 | $3,600.06 | $4,667.82 | $201,409.47 | |
| Oct, 2031 | 72 | $1,049.01 | $3,618.81 | $4,667.82 | $197,790.66 | |
| Nov, 2031 | 73 | $1,030.16 | $3,637.66 | $4,667.82 | $194,153.00 | |
| Dec, 2031 | 74 | $1,011.21 | $3,656.61 | $4,667.82 | $190,496.39 | |
| Jan, 2032 | 75 | $992.17 | $3,675.65 | $4,667.82 | $186,820.74 | |
| Feb, 2032 | 76 | $973.02 | $3,694.80 | $4,667.82 | $183,125.94 | |
| Mar, 2032 | 77 | $953.78 | $3,714.04 | $4,667.82 | $179,411.90 | |
| Apr, 2032 | 78 | $934.44 | $3,733.38 | $4,667.82 | $175,678.52 | |
| May, 2032 | 79 | $914.99 | $3,752.83 | $4,667.82 | $171,925.69 | |
| Jun, 2032 | 80 | $895.45 | $3,772.37 | $4,667.82 | $168,153.32 | |
| Jul, 2032 | 81 | $875.80 | $3,792.02 | $4,667.82 | $164,361.30 | |
| Aug, 2032 | 82 | $856.05 | $3,811.77 | $4,667.82 | $160,549.53 | |
| Sep, 2032 | 83 | $836.20 | $3,831.62 | $4,667.82 | $156,717.91 | |
| Oct, 2032 | 84 | $816.24 | $3,851.58 | $4,667.82 | $152,866.33 | |
| Nov, 2032 | 85 | $796.18 | $3,871.64 | $4,667.82 | $148,994.69 | |
| Dec, 2032 | 86 | $776.01 | $3,891.81 | $4,667.82 | $145,102.88 | |
| Jan, 2033 | 87 | $755.74 | $3,912.08 | $4,667.82 | $141,190.80 | |
| Feb, 2033 | 88 | $735.37 | $3,932.45 | $4,667.82 | $137,258.35 | |
| Mar, 2033 | 89 | $714.89 | $3,952.93 | $4,667.82 | $133,305.42 | |
| Apr, 2033 | 90 | $694.30 | $3,973.52 | $4,667.82 | $129,331.90 | |
| May, 2033 | 91 | $673.60 | $3,994.22 | $4,667.82 | $125,337.68 | |
| Jun, 2033 | 92 | $652.80 | $4,015.02 | $4,667.82 | $121,322.66 | |
| Jul, 2033 | 93 | $631.89 | $4,035.93 | $4,667.82 | $117,286.73 | |
| Aug, 2033 | 94 | $610.87 | $4,056.95 | $4,667.82 | $113,229.78 | |
| Sep, 2033 | 95 | $589.74 | $4,078.08 | $4,667.82 | $109,151.70 | |
| Oct, 2033 | 96 | $568.50 | $4,099.32 | $4,667.82 | $105,052.38 | |
| Nov, 2033 | 97 | $547.15 | $4,120.67 | $4,667.82 | $100,931.71 | |
| Dec, 2033 | 98 | $525.69 | $4,142.13 | $4,667.82 | $96,789.58 | |
| Jan, 2034 | 99 | $504.11 | $4,163.71 | $4,667.82 | $92,625.87 | |
| Feb, 2034 | 100 | $482.43 | $4,185.39 | $4,667.82 | $88,440.48 | |
| Mar, 2034 | 101 | $460.63 | $4,207.19 | $4,667.82 | $84,233.29 | |
| Apr, 2034 | 102 | $438.72 | $4,229.10 | $4,667.82 | $80,004.19 | |
| May, 2034 | 103 | $416.69 | $4,251.13 | $4,667.82 | $75,753.06 | |
| Jun, 2034 | 104 | $394.55 | $4,273.27 | $4,667.82 | $71,479.79 | |
| Jul, 2034 | 105 | $372.29 | $4,295.53 | $4,667.82 | $67,184.26 | |
| Aug, 2034 | 106 | $349.92 | $4,317.90 | $4,667.82 | $62,866.36 | |
| Sep, 2034 | 107 | $327.43 | $4,340.39 | $4,667.82 | $58,525.97 | |
| Oct, 2034 | 108 | $304.82 | $4,363.00 | $4,667.82 | $54,162.97 | |
| Nov, 2034 | 109 | $282.10 | $4,385.72 | $4,667.82 | $49,777.25 | |
| Dec, 2034 | 110 | $259.26 | $4,408.56 | $4,667.82 | $45,368.69 | |
| Jan, 2035 | 111 | $236.30 | $4,431.52 | $4,667.82 | $40,937.17 | |
| Feb, 2035 | 112 | $213.21 | $4,454.61 | $4,667.82 | $36,482.56 | |
| Mar, 2035 | 113 | $190.01 | $4,477.81 | $4,667.82 | $32,004.75 | |
| Apr, 2035 | 114 | $166.69 | $4,501.13 | $4,667.82 | $27,503.62 | |
| May, 2035 | 115 | $143.25 | $4,524.57 | $4,667.82 | $22,979.05 | |
| Jun, 2035 | 116 | $119.68 | $4,548.14 | $4,667.82 | $18,430.91 | |
| Jul, 2035 | 117 | $95.99 | $4,571.83 | $4,667.82 | $13,859.08 | |
| Aug, 2035 | 118 | $72.18 | $4,595.64 | $4,667.82 | $9,263.44 | |
| Sep, 2035 | 119 | $48.25 | $4,619.57 | $4,667.82 | $4,643.87 | |
| Oct, 2035 | 120 | $24.19 | $4,643.87 | $4,668.06 | $0.00 | |
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HELOC Payment Calculator in Excel
A Home Equity Line of Credit (HELOC) is one of the most flexible ways to borrow money against the home equity in your home, and it has lower interest rates than almost all other type of loans. Unlike a traditional loan such as a home equity loan, HELOCs typically come with variable interest rates with two paying phases, draw and repayment period. During the draw period, borrowers can continue to use the HELOC like a credit card, and only interest payment is required. When the repayment period kicks in, the borrower will no longer be able to use HELOC and is required to repay the principal plus interest until the HELOC loan is pay off. An excel based HELOC payment calculator gives you a simple way to estimate monthly payments, track balances, and see how much interest you are paying.
What Is a HELOC Payment Calculator?
Our HELOC payment calculator helps homeowners calculate the monthly interest-only payments during the draw period and your principal plus interest payments during the repayment period. HELOCs often have variable interest rates, therefore it is important to have an accurate HELOC calculator to model the rate changes and plan ahead. Once you have all the numbers calculated, you can use the HELOC payment calculator to export the results into excel spreadsheet for further review.
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