Move Up / Down Calculator

This version adds side-by-side scenario comparison so you can test two different move options and see which one leaves you with more cash, less financing, and a better long-term fit.

Your Current Home Sale

Estimate the equity you may carry forward after paying off the remaining mortgage and covering selling-related costs.

Home Details

Mortgage Costs

Use my Mortgage Penalty Calculator →
Use my mortgage discharge calculator →
Selling Summary
Proceeds From Sale of the Home
$0
This is the estimated equity left after your remaining mortgage and total transaction costs are deducted from the expected sale price.
Total Transaction Costs
$0
This includes everything taken away from the expected sale price other than the remaining mortgage balance.

What makes up total transaction costs

Realtor Commission$0
Other Selling Costs$0
Moving Costs$0
Mortgage Penalty$0
Legal and Discharge$0
Total Transaction Costs$0
Remaining Mortgage Balance$0
Estimated Proceeds From Sale$0
This is the equity your client may have available to move up or down.

Your Next Home Purchase

Estimate what it may cost to buy your next home, including the purchase price, any mortgage default insurance premium, and your closing costs.

Purchase Details

This premium is added to your mortgage balance and financed over the amortization period — it is not paid in cash at closing.
Use my Mortgage Default Insurance Calculators →

Closing Costs

Use my Closing Cost Calculator →
Use my Bridge Financing Calculator →
Purchase Summary
Total Cost to Buy This Home
$0
This combines the expected purchase price, any mortgage default insurance premium entered here, and your closing costs.
Purchase Costs Beyond Price
$0
This includes the mortgage default insurance premium and closing costs entered in this panel.

What makes up the purchase side

Expected Purchase Price$0
Mortgage Default Insurance Premium$0
Closing Costs$0
Bridge Financing$0
Total Purchase Costs Beyond Price$0
Total Cost to Buy This Home$0
Your closing cost calculator already includes professional and fixed fees, lender and broker fees, adjustments and prepaids, legal fees, land transfer tax, and government fees.

Your Move Summary

See whether your sale proceeds appear enough to cover the cost of your next purchase, or whether you may need additional financing.

Money Left From Selling Your Home
$0
Estimated equity available after the remaining mortgage and selling costs are deducted.
Gross Equity Before Costs
$0
This is the sale price minus the remaining mortgage balance before selling costs are deducted.
What Your Next Home Will Really Cost
$0
Expected purchase price plus default insurance, closing costs, and bridge financing.
One-Time Cost of Making the Move
$0
The combined friction cost of selling and buying, before the next home purchase price itself.
Estimated New Mortgage Needed
$0
This is the financing gap after applying your sale proceeds to the next purchase.
Cash Left Over After Moving
$0
This is the cash remaining after covering the full cost of the next purchase.
Total Transaction Costs
$0
Everything taken away from the expected sale price other than the remaining mortgage balance.
Total Buying Costs
$0
The costs beyond the purchase price, including default insurance, closing costs, and bridge financing.
Money Flow Summary
Expected Sale Price current home$0
Less Remaining Mortgage$0
Less Selling Costs$0
Equals Money Left From Selling Your Home$0
Expected Purchase Price next home$0
Plus Buying Costs$0
Equals What Your Next Home Will Really Cost$0
Cash Left Over After Moving$0
Estimated New Mortgage Needed$0
Move Review
Should this move be considered?

Enter your numbers above to see whether this move appears manageable, cash-releasing, or financing-heavy.

Where Your Money Goes
Sale Price
Mortgage Payoff
Selling Costs
Purchase Price
Buying Costs
Cash Left After Moving
Estimated New Mortgage Needed

What This Likely Means

Enter your numbers above to see whether moving up or downsizing appears to leave you with cash remaining or a financing gap.

  • Your move summary will update automatically as you enter your numbers.

Mortgage Payment and Retirement Timeline

If this move requires new financing, estimate the payment, total monthly housing cost, and the age when the mortgage could be fully paid off.

Payment Assumptions

Payment Summary

Estimated Monthly Mortgage Payment
$0
Based on the new mortgage needed from the move summary.
Estimated Total Monthly Housing Cost
$0
Mortgage payment plus property tax and heating / utilities entered here.
Estimated Age When Mortgage-Free
—
The age you may be when the new mortgage is fully paid off.
Retirement Timing
—
Shows whether the mortgage appears to be paid off before or after retirement.
Age Timeline
Current
Retirement
Mortgage-Free
Now Later

Scenario Comparison

Compare your current scenario against a second option side by side so you can see which move leaves you with more cash, less financing, and a better retirement outcome.

Enable Compare Scenarios
Scenario A uses the calculator above. Scenario B lets you test another purchase option against the same sale.
Copyright (c) Allen Ehlert Inc., 2026.
Good for testing two purchase prices, two closing-cost assumptions, or two move-up / downsize paths.

Scenario A

This uses the full calculator above exactly as entered.

Money Left From Selling Your Home
$0
What Your Next Home Will Really Cost
$0
Estimated New Mortgage Needed
$0
Cash Left Over After Moving
$0
Estimated Monthly Mortgage Payment
$0
Mortgage-Free Age
—

Scenario B

Test a second purchase option while keeping the same home sale.

What Your Next Home Will Really Cost
$0
Estimated New Mortgage Needed
$0
Cash Left Over After Moving
$0
Estimated Monthly Mortgage Payment
$0
Mortgage-Free Age
—
One-Time Cost of Making the Move
$0

Which scenario looks stronger?

Enable scenario comparison and enter Scenario B to compare the two options.

Best visible difference

This section will highlight the most meaningful difference between the two scenarios.