Free Reverse Mortgage Tools
Calculators, checkers, and resources to help you make informed decisions about your home equity — no account required.
Calculators
Crunch the numbers on your reverse mortgage options with these free, instant calculators.
Reverse Mortgage Calculator
Estimate your loan proceeds based on age, home value, and mortgage balance. See payout options including lump sum, line of credit with growth projections, and monthly payments.
Calculate your estimate →Home Equity Calculator
Find out how much equity you have in your home. See your equity percentage and what it means for reverse mortgage eligibility.
Calculate your equity →Break-Even Calculator
Determine how long it takes for your reverse mortgage benefits to exceed the upfront costs. Essential for timing your decision.
Find your break-even point →Reverse Mortgage vs HELOC
Compare a reverse mortgage, HELOC, and cash-out refinance side by side. See which option best fits your retirement needs.
Compare your options →Research & Planning
Tools to help you research eligibility, find professionals, and understand lending limits.
Eligibility Checker
Answer 4 quick questions to find out if you may qualify for a reverse mortgage. Takes less than 30 seconds — no personal info required.
Check your eligibility →Find a HUD Counselor
Locate a HUD-approved reverse mortgage counselor near you. Counseling is required before getting a HECM — and it's free or low-cost.
Search by zip code →FHA Lending Limits
See the 2026 HECM lending limit and how it compares to median home values in all 50 states plus D.C.
View lending limits →Market Data & Rate Center
Track mortgage rates, home prices, inflation, and key economic indicators that affect reverse mortgage decisions.
View market data →