3 Year HELOC Payment Calculator

Today's Home Equity Rates

Looking to get a 3 year HELOC loan? Use the 3 year HELOC calculator to calculate the overall costs of getting a 3 year home equity line of credit. The HELOC loan calculator will calculate the monthly payments, principal, and interest payments for your HELOC.

3 Year HELOC Calculator
Current HELOC Balance		Interest Rate
Interest Only Period	years	Repayment Period	years
First Payment Date	Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039	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:	Mar, 2025
Payoff Date:	Feb, 2033
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
Mar, 2025	1	$196.38	$0.00	$196.38	$30,000.00
Apr, 2025	2	$196.38	$0.00	$196.38	$30,000.00
May, 2025	3	$196.38	$0.00	$196.38	$30,000.00
Jun, 2025	4	$196.38	$0.00	$196.38	$30,000.00
Jul, 2025	5	$196.38	$0.00	$196.38	$30,000.00
Aug, 2025	6	$196.38	$0.00	$196.38	$30,000.00
Sep, 2025	7	$196.38	$0.00	$196.38	$30,000.00
Oct, 2025	8	$196.38	$0.00	$196.38	$30,000.00
Nov, 2025	9	$196.38	$0.00	$196.38	$30,000.00
Dec, 2025	10	$196.38	$0.00	$196.38	$30,000.00
Jan, 2026	11	$196.38	$0.00	$196.38	$30,000.00
Feb, 2026	12	$196.38	$0.00	$196.38	$30,000.00
Mar, 2026	13	$196.38	$0.00	$196.38	$30,000.00
Apr, 2026	14	$196.38	$0.00	$196.38	$30,000.00
May, 2026	15	$196.38	$0.00	$196.38	$30,000.00
Jun, 2026	16	$196.38	$0.00	$196.38	$30,000.00
Jul, 2026	17	$196.38	$0.00	$196.38	$30,000.00
Aug, 2026	18	$196.38	$0.00	$196.38	$30,000.00
Sep, 2026	19	$196.38	$0.00	$196.38	$30,000.00
Oct, 2026	20	$196.38	$0.00	$196.38	$30,000.00
Nov, 2026	21	$196.38	$0.00	$196.38	$30,000.00
Dec, 2026	22	$196.38	$0.00	$196.38	$30,000.00
Jan, 2027	23	$196.38	$0.00	$196.38	$30,000.00
Feb, 2027	24	$196.38	$0.00	$196.38	$30,000.00
Mar, 2027	25	$196.38	$0.00	$196.38	$30,000.00
Apr, 2027	26	$196.38	$0.00	$196.38	$30,000.00
May, 2027	27	$196.38	$0.00	$196.38	$30,000.00
Jun, 2027	28	$196.38	$0.00	$196.38	$30,000.00
Jul, 2027	29	$196.38	$0.00	$196.38	$30,000.00
Aug, 2027	30	$196.38	$0.00	$196.38	$30,000.00
Sep, 2027	31	$196.38	$0.00	$196.38	$30,000.00
Oct, 2027	32	$196.38	$0.00	$196.38	$30,000.00
Nov, 2027	33	$196.38	$0.00	$196.38	$30,000.00
Dec, 2027	34	$196.38	$0.00	$196.38	$30,000.00
Jan, 2028	35	$196.38	$0.00	$196.38	$30,000.00
Feb, 2028	36	$196.38	$0.00	$196.38	$30,000.00
Mar, 2028	37	$196.38	$0.00	$196.38	$30,000.00
Apr, 2028	38	$196.38	$0.00	$196.38	$30,000.00
May, 2028	39	$196.38	$0.00	$196.38	$30,000.00
Jun, 2028	40	$196.38	$0.00	$196.38	$30,000.00
Jul, 2028	41	$196.38	$0.00	$196.38	$30,000.00
Aug, 2028	42	$196.38	$0.00	$196.38	$30,000.00
Sep, 2028	43	$196.38	$0.00	$196.38	$30,000.00
Oct, 2028	44	$196.38	$0.00	$196.38	$30,000.00
Nov, 2028	45	$196.38	$0.00	$196.38	$30,000.00
Dec, 2028	46	$196.38	$0.00	$196.38	$30,000.00
Jan, 2029	47	$196.38	$0.00	$196.38	$30,000.00
Feb, 2029	48	$196.38	$0.00	$196.38	$30,000.00
Mar, 2029	49	$196.38	$0.00	$196.38	$30,000.00
Apr, 2029	50	$196.38	$0.00	$196.38	$30,000.00
May, 2029	51	$196.38	$0.00	$196.38	$30,000.00
Jun, 2029	52	$196.38	$0.00	$196.38	$30,000.00
Jul, 2029	53	$196.38	$0.00	$196.38	$30,000.00
Aug, 2029	54	$196.38	$0.00	$196.38	$30,000.00
Sep, 2029	55	$196.38	$0.00	$196.38	$30,000.00
Oct, 2029	56	$196.38	$0.00	$196.38	$30,000.00
Nov, 2029	57	$196.38	$0.00	$196.38	$30,000.00
Dec, 2029	58	$196.38	$0.00	$196.38	$30,000.00
Jan, 2030	59	$196.38	$0.00	$196.38	$30,000.00
Feb, 2030	60	$196.38	$0.00	$196.38	$30,000.00
Mar, 2030	61	$196.38	$741.71	$938.09	$29,258.29
Apr, 2030	62	$191.52	$746.57	$938.09	$28,511.72
May, 2030	63	$186.63	$751.46	$938.09	$27,760.26
Jun, 2030	64	$181.71	$756.38	$938.09	$27,003.88
Jul, 2030	65	$176.76	$761.33	$938.09	$26,242.55
Aug, 2030	66	$171.78	$766.31	$938.09	$25,476.24
Sep, 2030	67	$166.76	$771.33	$938.09	$24,704.91
Oct, 2030	68	$161.71	$776.38	$938.09	$23,928.53
Nov, 2030	69	$156.63	$781.46	$938.09	$23,147.07
Dec, 2030	70	$151.52	$786.57	$938.09	$22,360.50
Jan, 2031	71	$146.37	$791.72	$938.09	$21,568.78
Feb, 2031	72	$141.19	$796.90	$938.09	$20,771.88
Mar, 2031	73	$135.97	$802.12	$938.09	$19,969.76
Apr, 2031	74	$130.72	$807.37	$938.09	$19,162.39
May, 2031	75	$125.43	$812.66	$938.09	$18,349.73
Jun, 2031	76	$120.11	$817.98	$938.09	$17,531.75
Jul, 2031	77	$114.76	$823.33	$938.09	$16,708.42
Aug, 2031	78	$109.37	$828.72	$938.09	$15,879.70
Sep, 2031	79	$103.95	$834.14	$938.09	$15,045.56
Oct, 2031	80	$98.49	$839.60	$938.09	$14,205.96
Nov, 2031	81	$92.99	$845.10	$938.09	$13,360.86
Dec, 2031	82	$87.46	$850.63	$938.09	$12,510.23
Jan, 2032	83	$81.89	$856.20	$938.09	$11,654.03
Feb, 2032	84	$76.29	$861.80	$938.09	$10,792.23
Mar, 2032	85	$70.64	$867.45	$938.09	$9,924.78
Apr, 2032	86	$64.97	$873.12	$938.09	$9,051.66
May, 2032	87	$59.25	$878.84	$938.09	$8,172.82
Jun, 2032	88	$53.50	$884.59	$938.09	$7,288.23
Jul, 2032	89	$47.71	$890.38	$938.09	$6,397.85
Aug, 2032	90	$41.88	$896.21	$938.09	$5,501.64
Sep, 2032	91	$36.01	$902.08	$938.09	$4,599.56
Oct, 2032	92	$30.11	$907.98	$938.09	$3,691.58
Nov, 2032	93	$24.16	$913.93	$938.09	$2,777.65
Dec, 2032	94	$18.18	$919.91	$938.09	$1,857.74
Jan, 2033	95	$12.16	$925.93	$938.09	$931.81
Feb, 2033	96	$6.10	$931.99	$938.09	$0.00

4 year heloc payment calculator