Compare the financial impact of selling your home and downsizing — whether buying a smaller place or renting. Get detailed projections of monthly costs, net worth, and break-even timelines to make a confident decision.
How to Use
Current Home — Enter your home’s estimated market value, mortgage details, and monthly housing costs.
Selling Details — Specify agent commission, closing costs, repairs, and capital gains information.
Buy Smaller — Configure the smaller home purchase with price, mortgage terms, and expected costs.
Rent — Enter rental costs and expected annual rent increases.
Assumptions — Set appreciation rates, investment returns, inflation, and the analysis period.
Click Calculate & Compare to see full results with charts, tables, and a recommendation.
Tips: Use the preset buttons for common scenarios. Save and name scenarios to compare options. All data stays in your browser — nothing is sent to any server.
🏡 Your Current Home▼
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💰 Selling Details▼
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🏘️ Option A: Buy Smaller▼
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🔑 Option B: Rent▼
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⚙️ Financial Assumptions▼
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10 years
Presets:
📊 Results
Monthly Housing Costs Over Time
Net Worth Projection
Cumulative Housing Costs
Monthly Cost Breakdown (Year 1)
Year-by-Year Breakdown
How to Use This Tool
Enter your current home details — Fill in your home's current value, remaining mortgage balance, and monthly housing costs.
Choose a scenario — Compare buying a smaller home vs. renting after selling your current property.
Fill in the new housing details — Enter the target home price or monthly rent, along with associated costs like taxes and insurance.
Set investment assumptions — Specify expected investment returns for any excess equity and monthly savings.
Calculate and compare — Click Calculate to see side-by-side projections of net worth, monthly costs, and break-even timelines.
Review charts and year-by-year data — Explore interactive charts and the detailed yearly breakdown table.
Copy your summary — Use the "Copy Summary" button to save or share your analysis.
Common Use Cases
Should I sell my home and buy something smaller for retirement? Compare total housing costs and net worth projections over 10-30 years to see if downsizing makes financial sense.
Is it better to rent or buy a smaller place after selling? Run both scenarios to compare monthly savings, investment growth, and long-term net worth.
How long until downsizing pays off? Check the break-even analysis to see when monthly savings and investment returns offset moving costs.
How much equity can I unlock by downsizing? Enter your current home value and mortgage to see how much cash you could free up for investing.
What if housing prices or investment returns change? Adjust appreciation rates and investment return assumptions to stress-test your downsizing decision.
