HECM Reverse Mortgage Calculator

Understand the HECM reverse mortgage — numbers first.

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HECM Reverse Mortgage CalculatorFree · no sign-in required

Use it right here — free, no account needed. Create a free account to save scenarios and put your own branding on the report.

About this calculator

The HECM (Home Equity Conversion Mortgage) is widely misunderstood, often dismissed before its real benefits are evaluated. Our reverse mortgage calculator provides a fact-based view of available proceeds, line-of-credit options, and how the loan balance evolves over time — giving advisors and clients the foundation for an honest conversation.

What it shows you

Maximum available proceeds based on age and home value
Lump sum, monthly payment, and line of credit options
Loan balance growth over time
Line-of-credit growth rate projection
Non-recourse protection and estate implications

Why it matters

Research from academic institutions consistently shows that a strategic HECM can improve retirement income sustainability — yet most retirees never consider it because they lack clear numbers. This calculator bridges that gap.