01
4 housing strategies compared
Age in place, downsize to a smaller home, sell and rent, or explore a reverse mortgage.
Home Equity in Retirement 2026
Should you sell, downsize, or age in place?
Your home is likely your largest asset. Compare 4 scenarios and see the effect over 25 years, after housing costs and simplified tax assumptions.
$9 · One-time purchase
1 / 8 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
25-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
Four strategies are compared under the same assumptions, with ending net worth shown after 25 years.
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.
Trust and method
Understand the assumptions, not just the answer
Built with financial expertise
Created by Christian Elkrog, an economist and tech founder with more than a decade of experience and a successful company exit.
Not a black box
Inputs, assumptions, formulas, sources, and limitations are visible so you can understand each result.
Your figures stay with you
No account connection or hidden data collection. Slowshore never receives the information you enter.
Sources
Sources and assumptions
Show sources and assumptions
IRS for Section 121 rules and HUD for HECM guidance. Sources and editable assumptions are linked directly in the spreadsheet.
Pricing
Start with this workbook or choose the full bundle
Start with this workbook for $9, or get all 8 for $59. One-time purchase with no subscription.
Excel
A single tool
$9 per tool
- Excel + Google Sheets
- Example, blank version, and start guide
- No subscription – keep the file
- Corrections to 2026 edition included
- One-time purchase
- 14-day money-back guarantee
Bundle
All 8 workbooks
$59 one-time
- All 8 Excel workbooks
- 8 complete packages with example, blank version, and guide
- No subscription – keep the files
- Corrections to 2026 edition included
- One-time purchase
- 14-day money-back guarantee
Looking for the browser version? Join the waitlist.
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.