Rightsizing Savings Calculator

See exactly how much you could save — monthly and over the next 20 years — by moving into a right-sized home.

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Your Current Home

What you're paying now
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Your Right-Sized Home

What you'd pay after moving
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The equity freed up from your sale can be invested. This rate estimates how that grows over time.

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What Could Your Equity Do If It Were Invested?

Many homeowners have hundreds of thousands — sometimes over a million — in equity locked inside their home earning nothing. Enter your numbers below to see the real opportunity cost of keeping that money tied up in walls and a roof.

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Value in 5 Years
Value in 10 Years
Value in 20 Years
Total Gain
Enter your numbers above to see what your equity could be worth when it's working for you instead of sitting in your home.
Your Total Projected Savings Over 20 Years
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Including monthly housing savings + investment growth on freed equity

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$0 Annual Savings
$0 Equity Freed
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🎉 Your rightsizing savings estimate is ready!

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estimated monthly savings

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Current Monthly Costs
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New Monthly Costs
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Cumulative Savings Projection
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💡 Tips for Getting Accurate Numbers

Home Value Check Zillow or Realtor.com for a quick estimate, or ask a local agent for a free CMA (Comparative Market Analysis).
Property Tax Find your annual tax bill and divide by 12. In Utah, rates typically run 0.5–0.7% of assessed value per year.
Maintenance Costs A good rule of thumb: budget 1% of your home's value per year for maintenance. Older homes often need more.
Investment Return A conservative estimate is 4–6% annually in a diversified index fund. Adjust based on your risk tolerance.
Freed Equity This is roughly: (Current Home Value) minus (New Home Price) minus (Remaining Mortgage Balance) minus (Selling Costs ~6%).
New Mortgage Use a mortgage calculator to estimate. With equity from your sale, you may be able to buy your new home outright!