Reverse Mortgage Calculator
Project how an initial advance, monthly draws, financed fees, compound interest, and assumed home appreciation affect future balance and equity.
Written and checked by TheToolNet Editorial Team · Last reviewed: September 27, 2026 · Editorial method
Project reverse-mortgage balance
This is a scenario, not a quote
Reverse-mortgage age limits, advance limits, rate structures, fees, required counselling, taxes, insurance, maintenance duties, and non-recourse protections vary by product and jurisdiction. Use the lender's disclosure and independent legal or financial advice before acting.
Test conservative assumptions
Try lower appreciation, higher interest, and longer duration. Home-value growth is uncertain while interest on the outstanding balance is contractual.