Free, private, no forms
Four calculators. Start with your question.
Nothing here asks for your name, your email or your phone number, and nothing is saved. Pick the question closest to what's on your mind — and if none of them fit, just call and ask.
Will the house outrun the loan?
Equity projection
The centrepiece. Take one lump sum and watch the race between your home's value and the growing balance, year by year — including what your family is left with at every milestone, and the probate on it.
See the projection →How long can the house pay me?
Monthly income
Instead of one large cheque, take a set amount every month, tax-free. See how many years it lasts, and why taking it monthly costs far less than taking the same money all at once.
Plan a monthly income →Would a credit line be cheaper?
Versus a credit line
Often it is, and we'll say so. See the monthly payment a credit line demands, what the bank's stress test does to it, and which choice leaves your family more.
Compare the two →Would you be better off selling?
Versus downsizing
Sometimes, plainly, yes. See what moving really costs once commission, land transfer tax, legal fees and movers are counted — against staying put and borrowing instead.
Price the move →
Ready for the real numbers?
Everything on this page is an illustration. Your actual advance comes from a lender — and finding out what it is costs you nothing and commits you to nothing.
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