Free downsizing calculator
The Freedom Calculator
Most households have never run this math on their own home. Move the sliders to match your situation and watch three numbers appear: the equity sleeping in your walls, the monthly cost you could stop paying, and what both become if you put them to work.
Calculate your equity and monthly savings
Your numbers
Potential Equity Unlocked
$135,500
Monthly Savings
$809
Net Sale Proceeds
$610,500
Current Cost of Ownership
$2,360/mo
Your monthly freedom income
$1,260/mo
The money you stop spending on a house that's too big, plus a conservative 4% annual draw on the equity you release. This is the number that pays for travel, grandchildren, and time — not for a roof you'll replace once more.
20-year freedom projection
$791,526
Equity invested at a 6% assumed annual return, plus every dollar you stop spending on a house that's too big.
Estimates only. Assumes 7% total cost of sale and a 6% average annual return. Not tax, legal, or investment advice.
Reading your results
The Three Numbers That Matter
Each output answers a different question — and together they describe what we call your freedom income.
Equity freed
The capital that walks out of your walls at closing. For most households this is the single largest sum of usable money they will ever hold at once.
Monthly savings
The cost you stop paying every month, forever. Unlike investment returns, this number is not a projection — it is a bill that simply stops arriving.
Twenty-year picture
What the freed equity and monthly savings become when they are invested rather than absorbed by a roof, a lawn, and four rooms nobody enters.
These figures are educational estimates, not financial advice. Your actual outcome depends on your local market, tax situation, and timing — which is precisely what a strategy session is for.
Read the full guide to turning equity into monthly cash flowCommon questions
How The Calculator Works
Full transparency on the assumptions behind every number above.
- How does the Freedom Calculator estimate my equity?
- It takes your home's current value, subtracts your remaining mortgage balance, and then subtracts an allowance of roughly 7 percent for selling costs — agent compensation, title, closing, and typical pre-sale preparation. What remains is your net proceeds. Subtract the budget for your next home, and the difference is the equity you actually free.
- How are the monthly savings calculated?
- We total the four costs that scale with the house — utilities, property taxes, insurance, and maintenance — then re-scale them against the price of your next home. A home at half the value does not cost half as much to run, so the model deliberately keeps a fixed floor rather than assuming a clean fifty percent cut.
- What growth rate does the twenty-year projection use?
- A deliberately conservative 6 percent annual return on freed equity, with your monthly savings reinvested each year. This is an illustration, not a forecast, and it does not account for inflation, taxes, or sequence-of-returns risk. Treat it as a scale model of the decision, then confirm the details with your financial advisor.
- Do I need to enter my real numbers?
- Nothing you type is stored, transmitted, or attached to your name — the entire calculation runs in your browser. Use real figures if you want a real answer, and estimates if you are simply exploring the shape of it.
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Your next chapter
Turn These Numbers Into A Plan
Bring your results to a Right Size Strategy Session and we'll pressure-test them against your market, your taxes, and your timeline.