Calculators & Tools
Start with what you want to figure out. Each tool explains its assumptions and suggests clear next steps.
Home Equity & Options
See how much equity you have and the ways you might use it.
- Home Equity Access Options CalculatorEstimate your equity and compare the main ways to access it.Open tool
- House-Rich / Cash-Poor AssessmentFind out whether most of your wealth is tied up in your home.Open tool
- Pay Off Debt With Home EquitySee how using equity to pay off debt could change cash flow.Open tool
- Mortgage Payoff SavingsEstimate what eliminating a mortgage payment could free up.Open tool
Retirement
Spot income gaps and test how long your money may last.
- Retirement Cash-Flow Gap CalculatorCompare income with expenses to find any monthly gap.Open tool
- Can I Afford to Stay in My Home?Check whether your housing costs fit your retirement budget.Open tool
- How Long Will Savings LastEstimate how many years your savings may cover withdrawals.Open tool
- Social Security Break-EvenCompare claiming ages for Social Security.Open tool
- RMD CalculatorEstimate required minimum distributions.Open tool
- Safe Withdrawal RateTest a sustainable withdrawal rate.Open tool
Care & Aging in Place
Estimate care and home-modification costs and how to fund them.
- Home-Care Funding CalculatorEstimate in-home care costs and how long you could fund them.Open tool
- Long-Term Care CostProject the cost of long-term care.Open tool
- Aging in Place vs. Assisted LivingCompare the cost of staying home with care versus moving.Open tool
- Aging-in-Place / Home Modification CostEstimate the cost of accessibility upgrades.Open tool
Decision Tools
Weigh staying versus selling and compare equity options.
Reverse Mortgage
Screen for eligibility and estimate potential proceeds.
- Reverse Mortgage Eligibility ScreenerA few quick questions — no credit pull.Open tool
- Reverse Mortgage Proceeds EstimatorEstimate how much you may be able to access.Open tool
- Line of Credit GrowthProject how an unused HECM line of credit may grow.Open tool
- Loan Balance & Equity ProjectorProject loan balance and remaining equity.Open tool
- Tenure PaymentEstimate lifetime monthly payments.Open tool
- HECM for PurchaseEstimate down payment for buying with a HECM.Open tool
- Jumbo Reverse MortgageEstimate proprietary loan proceeds for higher-value homes.Open tool
These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
Curious what you might qualify for?
Get a free, no-obligation estimate. Takes about two minutes — no credit pull required.