Who is behind HELOC Your Home
This is a one-person project, not a lender and not a call center. Here is who built it and why.
Why I built this
I went looking for an honest answer to one question: if I run my paycheck through a first lien HELOC instead of leaving it in checking, how much interest do I actually save — and how many years come off the loan? Every calculator I found gave me a single number with no math behind it, and every website that explained the strategy was really selling a $3,000 course or a loan application.
So I built the tool I wanted. It runs the full daily-interest math the way a lender's system does, shows you the amortization line by line, lets you stress-test a rate that climbs, and tells you plainly when the strategy does not work for your numbers. Plenty of people run it and find out their surplus is too thin. That is a useful answer too.
HELOC Your Home does not originate loans and does not take a cut of your mortgage. The calculator and the state and city guides are free. If you want the deeper modeling — saved scenarios, ownership splits, tax view, exportable reports — that is what the paid plans cover.
We don't sell your data. Your numbers stay in your account. We never sell or rent your personal information, and we only share your details with a lender if you explicitly ask to be matched. See the privacy policy.
Run your own numbers
The calculator is free and there is no application, no credit pull, and no phone call.
Open the calculator