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Free Real Estate Equity Calculator

Know exactly how much equity you have and what you can do with it. Freddie calculates equity position, LTV, and refinance potential on any property.

Everything in the Free Real Estate Equity Calculator

Equity Position Calculator
Calculate current equity — property value minus all liens and mortgage balances.
LTV Analyzer
Determine loan-to-value ratio and how it affects refinance and HELOC eligibility.
BRRRR Equity Check
Verify you have enough equity post-rehab to refinance and pull your capital back out.
Equity Growth Projector
Model equity buildup over time through appreciation and mortgage paydown.
Cash-Out Refinance Modeler
See how much cash you can pull out at various LTV thresholds.
Score Certificate
Get an equity health score and shareable certificate for any property.

Real Deal. Real Numbers. Analyzed Free.

Dan White, 20-year fix-and-flip veteran in Northern Virginia, used FreeDealCalc to analyze a $130,000 wholetail opportunity in under 5 minutes. No spreadsheet. No paid software. Just Freddie.

Purchase
$210,000
Cleanout
$5,000
Resale
$349,000
Hold Time
1 Month
Strategy
Wholetail
Net Profit
$115,050
Before renovationAfter renovation
100
Deal Score
Strong Deal

"I've been flipping houses for 20 years and I built this tool because nothing free was actually good enough. Freddie does what I used to do with spreadsheets — but in seconds, for free, for every investor who needs it."

— Dan White, Founder, FreeDealCalc | 20-Year Fix & Flip Investor, Northern Virginia

A buyer who purchases this property as a wholetail deal undertakes all renovation work at their own direction, cost, and risk. The seller makes no representations regarding property condition and all sales are as-is. Buyer is responsible for all due diligence, inspections, and compliance with local codes and regulations.

Frequently Asked Questions

How do you calculate equity in real estate?

Equity equals current market value minus all outstanding loan balances and liens on the property. If your property is worth $350K and you owe $220K, you have $130K in equity. Track equity across your portfolio to identify refinance and sell opportunities.

What is a good equity percentage in real estate?

Most lenders want to see at least 20% equity (80% LTV) for conventional refinancing. BRRRR investors target 25-30% equity post-refinance. Investors with over 50% equity have strong flexibility — they can refinance, HELOC, or sell at any time.

How does forced appreciation build equity faster?

Buying below market value and renovating adds equity immediately rather than waiting for market appreciation. A $50K renovation that adds $80K in value creates $30K of instant equity — that's forced appreciation. Freddie calculates your equity gain from any planned renovation.

Can I use equity in one property to buy another?

Yes — through cash-out refinance, HELOC, or cross-collateralization. Cash-out refinance replaces your existing mortgage with a larger one and gives you cash. A HELOC provides a revolving line of credit against your equity. Both are common strategies for portfolio scaling.

What is the difference between equity and net worth in real estate?

Equity is property-specific — value minus debt on that asset. Net worth includes all assets (real estate equity, cash, investments) minus all liabilities (all debts). Your real estate equity is a component of your total net worth.

When should I pull equity out vs. let it sit?

Pull equity when the return on deployed capital exceeds your cost of borrowing. If you can refinance at 7% and deploy into a deal returning 15%+, pull the equity. If you can't find deals beating your borrowing cost, let equity sit and compound through appreciation.

More Free Tools

→ Real Estate Net Worth Calculator→ BRRRR Calculator

Ready to Analyze Your Deal?

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