When purchasing a property through a mortgage loan, your equity (which is how much of the property you own) in the property is equivalent to the down payment you paid. For example you bought a property worth a 100,000/- and your down payment was 20,000/-, this means you own 20% of the property.  But as the years pass you lose track of your equity, because the monthly installment you pay is divided in to interest and principal.  In order to find out how much you own of your property you can use the mortgage calculator.  Enter the mortgage payment calculator value, the interest rate, the length of the loan, and the start date of the loan and then press calculate.  The calculator will generate an amortization schedule which shows your payments month by month.  Check the current date on the table and see how much of the principal amount is left to be paid compared to the current value of the house. This will show your equity.