Cash, loan, or HELOC?

A renovation or big repair, three ways to pay for it. Zowly shows what each actually costs — and points you to no one. You run the numbers; you decide.

What does the project cost?

HELOC (variable line)

Rate %

Pay / month

Home-equity loan (fixed)

Rate %

Term (months)

Two honest notes. Paying cash avoids all interest — but only if it isn't your emergency buffer; draining that to save interest can cost you more later. And Zowly takes no money from any lender, so there's no offer here and no "apply now" — just the real cost of each path.

You entered these numbers; every figure is a projection based on them (rate and payment held constant), not a guarantee — a variable HELOC rate can change. Zowly is a financial calculation and education tool, not a lender or financial advisor.