01
3 housing strategies compared
Age in place, downsize to a smaller home, sell and rent.
Home Equity in Retirement 2026
Should you sell, downsize, or age in place?
Your home is likely your largest asset. Compare 3 scenarios and see the effect on 30 years of retirement, after tax, after housing costs.
What you get
Home Equity in Retirement 2026
02
HECM and Section 121 modeled
Reverse mortgage math, $250K/$500K capital gains exclusion, senior property tax freezes where applicable.
03
30-year net worth delta
See the lifetime wealth difference per strategy.
Detail
How the tool is built
Comparison
Bar chart of net worth delta by strategy
Three bars, one per strategy. You see total net worth after 30 years under the same assumptions.
Capital release
How much is freed, how it can be invested
Sale price, mortgage payoff, closing costs, tax: you see exactly what becomes investable.
Carrying costs
Property tax, maintenance, rent compared
Every recurring cost laid out per strategy so hidden costs do not flip the outcome after the fact.
Sources
Sources and assumptions
Show sources and assumptions
IRS for Section 121 rules, HUD for HECM parameters, state tax authorities for senior property tax freezes. All sources linked directly in the spreadsheet.
Pricing
Three ways to get access
Pick the format that fits. Every option is covered by a 14-day money-back guarantee.
Excel
A single tool
$39 per tool
- Excel + Google Sheets
- Yours forever
- Yearly tax updates included
- 14-day money-back guarantee
Monthly
All 6 tools
$9 per month
- Web app + Excel export
- Continuous updates
- Priority email support
- Cancel anytime
Lifetime
All 6 tools, no renewal
$299 $149 one-time
For the first 100 buyers. After that, $299.
- All 6 tools, no renewal
- Web app + Excel export, permanent access
- Direct email to the founder
- One-time payment
- Break-even after 20 months vs monthly
FAQ
Frequently asked questions
Do I have to write formulas?
No, you fill in marked cells and everything calculates automatically.
What information do I need to have ready?
See the full list on the product page before buying. The basics: age, retirement account balances, expected spending.
Does it work on Mac and Windows?
Yes, plus Google Sheets. We send both versions after purchase.
Where is my data stored?
The Excel version stays on your own computer. We never see your numbers.
Is this financial advice?
No. It is a planning tool. Always consult a licensed advisor before major decisions.
Refunds?
14-day money-back guarantee, no questions asked.