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Planning retirement is much like putting the pieces of a puzzle together to see the entire picture. Please enjoy using these powerful retirement calculators to see if a Home Equity Conversion Mortgage (reverse mortgage) fits into your retirement plan.


Reverse Mortgage Calculator

Calculate Benefits

This calculator estimates benefits you might receive from the federally-insured “Home Equity Conversion Mortgage” (HECM) reverse mortgage program. In order to obtain one of these loans, you and your co-borrower (if any) must be at least 62 years old.

Portfolio Without Mortgage Payment

Calculate Projections

Clients often wonder what their financial situation would look like without a mortgage payment. When a traditional mortgage is replaced by a HECM, debt service is eliminated. This calculator illustrates how a retirement scenario is improved by exchanging a mortgage for a HECM.

Retirement Projections With and Without HECM Monthly Draw

Calculate Projections

This calculator illustrates how scheduled monthly draws from a HECM improve a portfolio (not subject to volatility). This calculator is not intended for consumer use and is provided to financial services professionals to demonstrate one possible use of a HECM.

HECM For Purchase Calculator

Calculate Estimate

The HECM for Purchase Calculator estimates the money you might receive from a Home Equity Conversion Mortgage for Purchase. You must be 62 years of age or older. You must intend to live in the new home as your primary residence and occupy within 60 days of closing.

Mortgage Calculators

Calculate Benefits

Social Security Benefits Retirement Estimator

Calculate Estimate

The Retirement Estimator gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. We can’t provide your actual benefit amount until you apply for benefits.

Social Security Benefits Calculator

Calculate Benefits

Benefit estimates depend on your date of birth and on your earnings history. For security, the “Quick Calculator” does not access your earnings record; instead, it will estimate your earnings based on information you provide. So benefit estimates made by the Quick Calculator are rough.