Reverse Mortgage Calculator

Currency

Home Market Value

Outstanding Mortgage / Liens

Borrower Age

Most programs require 55–62+ (varies by country).

Interest Rate (annual %)

Home Appreciation (annual %)

Upfront Fees (amount)

Enter total fees (origination, appraisal, insurance). You can set to 0.

Loan Option

Tenure (years) — for monthly payout

Projection Years

Estimated Principal Limit

A simple approximation based on age & interest rate.

Available to Borrow

What you could take as cash or line of credit (after liens & fees).

Available Payout Options

Lump sum suggested: -

Monthly (tenure): -

Line of Credit available: -

Projection table (year vs loan balance & home value)

Year	Loan Balance	Home Value	Equity (Home - Loan)

Important Notes:

This calculator uses a simplified principal-limit method for demonstration. Actual programs (HECM, Equity Release, etc.) use specific tables, insurance, and rules which may alter results. Use this to compare scenarios, not as a lender quote.

Reverse Mortgage Calculator — Simple & Practical

Available Payout Options

Important Notes:

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