---
title: "HELOC Payment Calculator (Draw + Repayment)"
method: POST
path: "/api/v1/tools/heloc-calculator"
tags: ["loans"]
---

# HELOC Payment Calculator (Draw + Repayment)

`POST /api/v1/tools/heloc-calculator`

## Request

- Base URL: `https://calcfleet.com`
- URL: `https://calcfleet.com/api/v1/tools/heloc-calculator`
- Auth: none declared

Calculate your HELOC draw and repayment payments. See the payment shock when interest-only switches to fully amortized, plus total interest across both phases.

## Request body

- object
  - `homeValue` number, required
  - `mortgageBalance` number, required
  - `cltvPct` number, required
  - `drawBalance` number, required
  - `annualRatePct` number, required
  - `drawTermMonths` integer, required
  - `repayTermMonths` integer, required

## Response `200`

Successful calculation result.

- object
  - `result` object, required: Structured calculation output (fields vary per calculator).

## Other responses

- `400`: Invalid input — the issues array contains Zod validation errors.
- `403`: Forbidden — an Authorization: Bearer cf_… key was supplied but is invalid.
- `404`: Unknown tool slug.

---

[API](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api.md) · [All operations](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/llms.txt) · [OpenAPI document](https://skmtc.dev/calcfleet/apis/calcfleet-financial-calculators-api/revisions/cd9abd595bbe?raw)