FreeByte

Equity build-up calculator

Equity from payments plus growth.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
$
6%
3%

Equity

$225,836

Value

$506,708

With these inputs, equity comes to $225,836 over 30 years. Value works out to $506,708. The result assumes rate stays at 6%.

Loan balance
$280,872
Principal repaid
$39,128

Over time · by term (years)

What moves the number · Equity

Input−10%Now+10%
Price$175,166$225,836$276,507
Loan$253,924$225,836$197,749
Rate$229,444$225,836$222,460
Term (years)$235,441$225,836$218,369
Yearly appreciation$214,149$225,836$237,764
Years held$209,187$225,836$243,005

Solve for an input

Whatmakesequal

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Equity from payments plus growth.

A worked example

Starting figures

Price
$400,000
Loan
$320,000
Rate
6%
Term (years)
30
Yearly appreciation
3%
Years held
8

What it returns

Equity
$225,836
Value
$506,708
Loan balance
$280,872
Principal repaid
$39,128

How to read the results

With the defaults above, equity works out at $225,836.

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