---
title: "Home equity: how much of your home is debt-free?"
description: "Calculate your home equity nominally and at today's redemption price, your loan-to-value and available mortgage room – and see how it develops over time."
url: https://realkredit.ai/beregn/frivaerdi?lang=en
language: en-GB
last_verified: 2026-10-08
publisher: realkredit.ai (Benjamin Jochum)
---

# Home equity: how much of your home is debt-free?

Calculate your home equity – both nominally and if you repay the loans at today's price – and see how it may develop over time.

The calculator is interactive on the HTML page. All inputs are kept in the address, so a result can be shared.

## How we calculate
- Equity = the home's value minus all debt secured on the home.
- For repayment at today's price we use the loan's price; a fixed-rate loan is repaid at no more than 100.
- The development over time uses the price change you choose and the loans' repayments.

Full method: https://realkredit.ai/metode?lang=en

## Questions for your bank meeting
- Can I move the loan to another institution later – and what does it cost?
- What is the total cost over 10 years including all fees – both the institution's and the bank's?
- Which loan types can I get with my debt-to-income ratio and loan-to-value – and why?
- Which disposable amount do you require, and what does my budget look like after the loan?

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> realkredit.ai provides general information and calculations – not personal, legal or financial advice, and nothing here is legally binding. The figures are indicative and based on your own numbers and the prices we have verified. Always check your loan offer, and talk to your bank, an independent adviser or a lawyer before you decide.

HTML version: https://realkredit.ai/beregn/frivaerdi?lang=en · Rates checked 8 October 2026 · Error? digitaleannoncer@gmail.com