Equity path
Project a growing loan balance and remaining home equity under transparent assumptions. Change any assumption and the full plan recalculates instantly.
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| Year | Home value | Loan balance | Equity |
|---|---|---|---|
| 1 | $666,250 | $166,228 | $500,022 |
| 2 | $682,906 | $183,542 | $499,364 |
| 3 | $699,979 | $202,017 | $497,962 |
| 4 | $717,478 | $221,728 | $495,750 |
| 5 | $735,415 | $242,760 | $492,656 |
| 6 | $753,801 | $265,200 | $488,601 |
| 7 | $772,646 | $289,143 | $483,503 |
| 8 | $791,962 | $314,689 | $477,273 |
| 9 | $811,761 | $341,946 | $469,815 |
| 10 | $832,055 | $371,029 | $461,026 |
| 11 | $852,856 | $402,060 | $450,797 |
| 12 | $874,178 | $435,168 | $439,009 |
| 13 | $896,032 | $470,494 | $425,538 |
| 14 | $918,433 | $508,186 | $410,247 |
| 15 | $941,394 | $548,403 | $392,991 |
Planning estimate only. Lenders use their own qualification, compounding, rounding, insurance, fee, tax, and contract rules.
Calculator guide
A reverse mortgage balance usually grows because interest is added instead of paid each month. This calculator projects that compounding balance alongside an assumed home value and shows the equity remaining each year.
It is an equity projection, not a lender eligibility or proceeds calculator. Age, property, location, existing secured debt, product limits, fees, and lender underwriting determine an actual offer.
Remaining equity is projected home value less projected loan balance. A negative result is floored at zero in the table and does not interpret a lender's no-negative-equity terms.
Ask for written illustrations showing rates, fees, repayment triggers, prepayment rules, and how taking money as a lump sum or over time affects cost.
Questions answered
This tool does not estimate eligibility. The lender determines proceeds using borrower, property, location, debt, and product criteria.
Interest and any new advances are added to the balance when there are no regular principal-and-interest payments.
Yes. Enter an initial advance, a monthly advance, or both to compare how the borrowing pattern affects equity.
Rules and tax programs can change. Confirm the current requirements before acting.
Use the estimate well
It can model transparent assumptions, compare scenarios, and expose tradeoffs. It cannot approve a loan, quote a lender, predict markets, interpret your contract, or replace licensed advice.
Run the base case, a higher rate, a lower home value, and a cash-buffer case.
Confirm compounding, prepayment, fees, insurance, dates, and lender rounding.
A feasible payment is not the same as a resilient household budget.
Related field notes
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Mortgage basicsUnderstand how a reverse mortgage converts home equity into cash, how the balance grows, and what homeowners and families should review.