INTERACTIVE TOOL

Downsizing Cost Calculator

Estimate your net proceeds and how long your home equity can fund senior living.

Talk Through Your Numbers

Quick, Honest Estimates

Adjust the numbers to model your parent's situation — net proceeds, selling costs, and how long their equity might last.

Your Numbers

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Estimated Results

Realtor commission —
Total selling costs —
Net proceeds —
Years of housing funded —

Simplified estimate only. Does not account for investment growth, inflation, OAS/GIS/CPP income, or tax implications. Talk to us for a full model.

How to Use These Numbers

Net Proceeds

The lump sum your parent walks away with after selling costs and any mortgage is paid off.

Years of Housing Funded

Divide net proceeds by 12× monthly cost. If invested at 4–5% in retirement-friendly products, the real duration is typically 30–50% longer.

Plus Government Income

Don't forget OAS ($742–$817/mo), CPP (varies), potentially GIS, BC Seniors Supplement, and possibly SAFER. These stack on top of your home equity.

Want the Full Picture?

We'll model your real numbers — including BC senior benefits, projected investment growth, and realistic facility costs.

Let's Make a Plan