Sagewise

Home Equity "Cash Unlock" Calculator

See how much tax-free cash you could access.

$
$
70 years old

Option 1: HELOC

Loan
Cash Available
$310,000
Monthly Payment
-$2,454/mo

*Interest-only payment estimated at 9.5%.

Senior Favorite

Option 2: Reverse Mtg

Cash Available
$160,500

Tax-free · No impact on Social Security

Monthly Payment
$0

No payments required for life.

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Estimates use standard 80% HELOC LTV, 9.5% HELOC interest, conservative HECM principal limit factors, a $1,149,825 value cap, and estimated $10,000 HECM closing costs. Reverse mortgages require taxes and insurance.