HELOC Payment Shock Calculator
See the jump from the low draw-period payment to the full repayment payment on a HELOC.
Your home value and loan numbers stay on this page — nothing is uploadedTry: HELOC balance=50000, APR=8, Draw period (months)=120, Repayment period (months)=240 → $333.33, $418.22, $84.89, 25%
How to use
Enter the balance, APR, and both periods. The calculator shows the draw-period interest-only payment, the repayment payment, and the dollar and percent shock between them — the number that surprises most borrowers.
FAQ
How big is the shock usually?
Often two to three times the draw payment, because principal is now included and amortized over a shorter window.
How do I avoid it?
Pay down principal during the draw period so the repayment balance is smaller.