Housing
Calculate equity freed, monthly expense savings, and projected investment portfolio growth from downsizing your home into a smaller, lower-cost property.
Downsizing frees $0.00 in equity plus $6,000.00/year in reduced expenses. Invested at 7%, this grows to $609,985.50 over 30 years.
Freed equity + monthly savings invested over time
Contract, discovery endpoints, and developer notes for agent use.
Always available for agents
Tool contract JSON
https://aifinhub.io/agent-tools.jsonSee the site-wide tool index for this tool's entry and schema.
Human review
People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.
{
"tool": "downsizing",
"current_home_value": 450000,
"mortgage_remaining": 200000,
"selling_costs_percent": 6,
"new_home_price": 250000,
"new_mortgage": 0,
"monthly_savings": 500,
"return_percent": 7
} No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.
Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.
Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.
It depends on the price difference and your current mortgage. Selling a $500,000 home with a $200,000 mortgage and buying a $300,000 home outright could free roughly $170,000 (after 6% selling costs). This is a significant wealth-building catalyst.
Typical savings include lower property taxes ($100-300/month), reduced utilities ($50-150/month), less maintenance ($100-200/month), and potentially no mortgage payment. Total monthly savings of $500-$1,000+ are common.
If you have high-interest debt, pay that first. Otherwise, investing the freed equity in a diversified portfolio at 7% historical returns produces significant long-term growth — $200,000 grows to roughly $400,000 in 10 years.
Moving costs ($2,000-$10,000), selling costs (5-6% of sale price), buying costs (2-3% of purchase price), potential capital gains tax on profit over $250k/$500k exclusion, and emotional costs of leaving a home.
When your home is significantly larger than your needs (empty nesters), when you have substantial equity, when housing costs consume more than 30% of income, or when you are approaching retirement and want to convert illiquid equity to investable assets.
Estimate comfortable and maximum home-price ranges from income and debt. Free browser-based planning tool with private-by-default inputs and no signup required.
Estimate monthly housing cost and full-term interest from principal, tax, insurance, and HOA assumptions. Free browser-based planning tool with private-by-default inputs and no signup required.
See when buying pulls ahead of renting after equity, monthly cost, and invested cash are all counted. Free browser-based planning tool with private-by-default inputs and no signup required.
See when staying costs more than moving with clear horizon totals. Free browser-based planning tool with private-by-default inputs and no signup required.