इक्विटी संचय कैलकुलेटर — सूत्र

How Equity Builds Over Time

Equity in real estate grows from two main sources: mortgage principal paydown and property appreciation.

Formula

Future Equity = Future Property Value - Future Loan Balance

  • Future Property Value = Current Value x (1 + Appreciation Rate)^Years
  • Future Loan Balance = Current Balance - Total Principal Payments

    • Sources of Equity

    1. Initial equity from your down payment 2. Paydown equity from each mortgage payment that reduces the principal 3. Appreciation equity from market value increases

    हल किया गया उदाहरण

    A $400,000 property with a $320,000 loan balance, $500/month principal paydown, 3% appreciation, held for 5 years.

    1. Current equity: $400,000 - $320,000 = $80,000
    2. Future property value: $400,000 x (1.03)^5 = $463,710
    3. Total principal paydown: $500 x 60 = $30,000
    4. Future loan balance: $320,000 - $30,000 = $290,000
    5. Projected equity: $463,710 - $290,000 = $173,710
    6. Equity from appreciation: $463,710 - $400,000 = $63,710