Calculators

  • Reverse Mortgages Calculator

    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

    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.

  • HECM for Purchase Calculator

    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.

  • Retirement Projections With and Without HECM Monthly Draw

    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.

  • Social Security Benefits Retirement Estimator

    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

    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.

  • Detailed Social Security Calculator

    The Detailed Calculator is a comprehensive benefit calculator which is designed to compute historical benefits as well as estimate future benefits. It produces the Social Security benefit for an old-age, survivor, or disability claim, given the characteristics of a particular worker.