3 Year HELOC Payment Calculator

HELOC Rates Home Equity Rates Mortgage Rates

3 Year HELOC Payment Calculator is a tool to calculate the monthly HELOC payment for your 3 year home equity line of credit. The 3 year HELOC calculator shows you the exact cost of getting a home equity line of credit.

3 Year HELOC Calculator
Current HELOC Balance
Interest Rate
Interest Only Period
 years
Repayment Period
 years
First Payment Date
Amortization Schedule
 Show By Month Year

3 Year HELOC Payment
Current HELOC Balance:
 $30,000.00
Monthly Payment:
 $196.38 for 60 payments
$938.09 for 36 payments
Interest Only Terms:
 5 years
Total Terms:
 8 years
Total # Of Payments:
 96
Start Date:
 Jan, 2025
Payoff Date:
 Dec, 2032
Total Interest Paid:
 $15,553.56
Total Payment:
 $45,553.74

3 Year HELOC Amortization Schedule
Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Jan, 2025 1 $196.38 $0.00 $196.38 $30,000.00
Feb, 2025 2 $196.38 $0.00 $196.38 $30,000.00
Mar, 2025 3 $196.38 $0.00 $196.38 $30,000.00
Apr, 2025 4 $196.38 $0.00 $196.38 $30,000.00
May, 2025 5 $196.38 $0.00 $196.38 $30,000.00
Jun, 2025 6 $196.38 $0.00 $196.38 $30,000.00
Jul, 2025 7 $196.38 $0.00 $196.38 $30,000.00
Aug, 2025 8 $196.38 $0.00 $196.38 $30,000.00
Sep, 2025 9 $196.38 $0.00 $196.38 $30,000.00
Oct, 2025 10 $196.38 $0.00 $196.38 $30,000.00
Nov, 2025 11 $196.38 $0.00 $196.38 $30,000.00
Dec, 2025 12 $196.38 $0.00 $196.38 $30,000.00
Jan, 2026 13 $196.38 $0.00 $196.38 $30,000.00
Feb, 2026 14 $196.38 $0.00 $196.38 $30,000.00
Mar, 2026 15 $196.38 $0.00 $196.38 $30,000.00
Apr, 2026 16 $196.38 $0.00 $196.38 $30,000.00
May, 2026 17 $196.38 $0.00 $196.38 $30,000.00
Jun, 2026 18 $196.38 $0.00 $196.38 $30,000.00
Jul, 2026 19 $196.38 $0.00 $196.38 $30,000.00
Aug, 2026 20 $196.38 $0.00 $196.38 $30,000.00
Sep, 2026 21 $196.38 $0.00 $196.38 $30,000.00
Oct, 2026 22 $196.38 $0.00 $196.38 $30,000.00
Nov, 2026 23 $196.38 $0.00 $196.38 $30,000.00
Dec, 2026 24 $196.38 $0.00 $196.38 $30,000.00
Jan, 2027 25 $196.38 $0.00 $196.38 $30,000.00
Feb, 2027 26 $196.38 $0.00 $196.38 $30,000.00
Mar, 2027 27 $196.38 $0.00 $196.38 $30,000.00
Apr, 2027 28 $196.38 $0.00 $196.38 $30,000.00
May, 2027 29 $196.38 $0.00 $196.38 $30,000.00
Jun, 2027 30 $196.38 $0.00 $196.38 $30,000.00
Jul, 2027 31 $196.38 $0.00 $196.38 $30,000.00
Aug, 2027 32 $196.38 $0.00 $196.38 $30,000.00
Sep, 2027 33 $196.38 $0.00 $196.38 $30,000.00
Oct, 2027 34 $196.38 $0.00 $196.38 $30,000.00
Nov, 2027 35 $196.38 $0.00 $196.38 $30,000.00
Dec, 2027 36 $196.38 $0.00 $196.38 $30,000.00
Jan, 2028 37 $196.38 $0.00 $196.38 $30,000.00
Feb, 2028 38 $196.38 $0.00 $196.38 $30,000.00
Mar, 2028 39 $196.38 $0.00 $196.38 $30,000.00
Apr, 2028 40 $196.38 $0.00 $196.38 $30,000.00
May, 2028 41 $196.38 $0.00 $196.38 $30,000.00
Jun, 2028 42 $196.38 $0.00 $196.38 $30,000.00
Jul, 2028 43 $196.38 $0.00 $196.38 $30,000.00
Aug, 2028 44 $196.38 $0.00 $196.38 $30,000.00
Sep, 2028 45 $196.38 $0.00 $196.38 $30,000.00
Oct, 2028 46 $196.38 $0.00 $196.38 $30,000.00
Nov, 2028 47 $196.38 $0.00 $196.38 $30,000.00
Dec, 2028 48 $196.38 $0.00 $196.38 $30,000.00
Jan, 2029 49 $196.38 $0.00 $196.38 $30,000.00
Feb, 2029 50 $196.38 $0.00 $196.38 $30,000.00
Mar, 2029 51 $196.38 $0.00 $196.38 $30,000.00
Apr, 2029 52 $196.38 $0.00 $196.38 $30,000.00
May, 2029 53 $196.38 $0.00 $196.38 $30,000.00
Jun, 2029 54 $196.38 $0.00 $196.38 $30,000.00
Jul, 2029 55 $196.38 $0.00 $196.38 $30,000.00
Aug, 2029 56 $196.38 $0.00 $196.38 $30,000.00
Sep, 2029 57 $196.38 $0.00 $196.38 $30,000.00
Oct, 2029 58 $196.38 $0.00 $196.38 $30,000.00
Nov, 2029 59 $196.38 $0.00 $196.38 $30,000.00
Dec, 2029 60 $196.38 $0.00 $196.38 $30,000.00
Jan, 2030 61 $196.38 $741.71 $938.09 $29,258.29
Feb, 2030 62 $191.52 $746.57 $938.09 $28,511.72
Mar, 2030 63 $186.63 $751.46 $938.09 $27,760.26
Apr, 2030 64 $181.71 $756.38 $938.09 $27,003.88
May, 2030 65 $176.76 $761.33 $938.09 $26,242.55
Jun, 2030 66 $171.78 $766.31 $938.09 $25,476.24
Jul, 2030 67 $166.76 $771.33 $938.09 $24,704.91
Aug, 2030 68 $161.71 $776.38 $938.09 $23,928.53
Sep, 2030 69 $156.63 $781.46 $938.09 $23,147.07
Oct, 2030 70 $151.52 $786.57 $938.09 $22,360.50
Nov, 2030 71 $146.37 $791.72 $938.09 $21,568.78
Dec, 2030 72 $141.19 $796.90 $938.09 $20,771.88
Jan, 2031 73 $135.97 $802.12 $938.09 $19,969.76
Feb, 2031 74 $130.72 $807.37 $938.09 $19,162.39
Mar, 2031 75 $125.43 $812.66 $938.09 $18,349.73
Apr, 2031 76 $120.11 $817.98 $938.09 $17,531.75
May, 2031 77 $114.76 $823.33 $938.09 $16,708.42
Jun, 2031 78 $109.37 $828.72 $938.09 $15,879.70
Jul, 2031 79 $103.95 $834.14 $938.09 $15,045.56
Aug, 2031 80 $98.49 $839.60 $938.09 $14,205.96
Sep, 2031 81 $92.99 $845.10 $938.09 $13,360.86
Oct, 2031 82 $87.46 $850.63 $938.09 $12,510.23
Nov, 2031 83 $81.89 $856.20 $938.09 $11,654.03
Dec, 2031 84 $76.29 $861.80 $938.09 $10,792.23
Jan, 2032 85 $70.64 $867.45 $938.09 $9,924.78
Feb, 2032 86 $64.97 $873.12 $938.09 $9,051.66
Mar, 2032 87 $59.25 $878.84 $938.09 $8,172.82
Apr, 2032 88 $53.50 $884.59 $938.09 $7,288.23
May, 2032 89 $47.71 $890.38 $938.09 $6,397.85
Jun, 2032 90 $41.88 $896.21 $938.09 $5,501.64
Jul, 2032 91 $36.01 $902.08 $938.09 $4,599.56
Aug, 2032 92 $30.11 $907.98 $938.09 $3,691.58
Sep, 2032 93 $24.16 $913.93 $938.09 $2,777.65
Oct, 2032 94 $18.18 $919.91 $938.09 $1,857.74
Nov, 2032 95 $12.16 $925.93 $938.09 $931.81
Dec, 2032 96 $6.10 $931.99 $938.09 $0.00
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