Are you one of the estimated 11 million homeowners underwater? The mortgage blog, HSH.com, released two mortgage calculators for homeowners to predict how and when their underwater properties will resurface from negative equity.

The When calculator allows users to input their initial loan amount, term and interest rate, first payment date, current home value, the expected annual appreciation and any extra monthly payments. With this information it calculates the time when home equity becomes equal to a borrower’s loan balance. The How calculator tells users how they can reach their goal.

— Paul Dang