Reverse Mortgage Calculator
Turn home equity into monthly income without selling — RML vs RMLeA
Configure Reverse Mortgage
Results
Property Value vs Loan Outstanding
House appreciates while loan grows — the equity gap is what heirs inherit
Key Insights
CFP Note — When Reverse Mortgage Fits Best
Reverse Mortgage works best when you are property-rich but income-poor — a senior citizen with a paid-off home but limited pension / SWP income. It is most appropriate when your heirs are financially settled (they don't need the house as their security net) and the property is worth over ₹75 lakh so the eligible loan is meaningful. If you have adequate retirement corpus and strong SWP income, or if your children depend on inheriting the house, traditional routes (SWP, SCSS, RBI Floating Bonds, annuity) are usually cleaner.
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Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
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