Downsizing Cost & Break-Even Analysis

Cash-Flow Break-Even Calculator for Downsizing

This calculator compares your annual housing costs if you stay versus downsizing, and estimates how long it may take to break even after moving costs.

Download the companion worksheet here: Calculator Worksheet (PDF)

Current Home Snapshot

Current Home Value (for reference only) Monthly Mortgage Payment (per month)

Current Annual Costs

Property Taxes (per year) Insurance (per year) Maintenance (per year) Utilities (per year)

Annual Costs After Downsizing

Property Taxes (per year) Insurance (per year) HOA Fees (per year) Maintenance & Repairs (per year) Utilities (per year) Monthly Mortgage Payment (per month)

Total Cost to Make the Move

Agent Commissions (sale + purchase) Closing Costs (sale + purchase) Seller Repairs & Prep (sale side only) Moving & Clean Out (sale side only) Other (sale + purchase)

** Estimates only. See important disclaimer below.

Important Disclaimer

This calculator is provided for educational and illustrative purposes only. It is designed to help you compare cash-flow differences between staying in your current home and downsizing, based solely on the numbers you enter.

This tool does not provide financial, tax, legal, or investment advice, and it should not be relied upon as a substitute for advice from qualified professionals such as a financial advisor, tax professional, attorney, or lender.

The results shown are estimates only. This calculator does not account for factors such as investment returns, opportunity cost of home equity, tax consequences, future market conditions, appreciation or depreciation, estate planning considerations, or changes in personal financial circumstances.

Actual costs, savings, and outcomes may vary significantly based on individual situations, local market conditions, financing terms, and unforeseen expenses. You should use this calculator as a starting point for discussion, not as a final decision-making tool.