Separate market appreciation from mortgage paydown to see what is really driving future home equity.
Projected Property Value
--
Enter the current value, appreciation rate, and annual principal paydown to project future equity.
Tap an example to prefill the calculator with sample values.
Moderate appreciation hold
$480k current value, 3.5% annual growth
A useful base case for long-hold owners who want to separate appreciation from principal paydown.
Result: Equity growth comes from both market appreciation and mortgage amortization, not just one lever
Slower-growth market
$620k value with a 2.1% growth assumption
A more conservative read for owners in a flatter market or for anyone using a lower-confidence appreciation outlook.
Result: Even with a milder market tailwind, steady principal reduction still compounds equity meaningfully