15 vs 30 Year Fork
Payment, lifetime interest, and invest-the-difference — the full fork.
Decision Frames
Downsize Dividend
Equity freed and costs cut by moving smaller — your downsizing paycheck.
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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.
How to read this decision
Use Downsize Dividend when you want to see a hard property decision framed with clear trade-offs in plain numbers. Equity freed and costs cut by moving smaller — your downsizing paycheck.
It is free, runs entirely client-side, and is built for quick what-if loops: change one input, rerun, compare.
Methodology & next steps
This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.
- Start with realistic income, price, rate, and cost assumptions for your market.
- Use presets or Snapshot as B to stress-test a second path.
- Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
- Copy report or Print / PDF for a shareable decision page.
- Save scenarios on this device or copy the share link in the address bar.
- Export CSV/JSON when you want numbers in a spreadsheet.
About Downsize Dividend
What does Downsize Dividend show?
Equity freed and costs cut by moving smaller — your downsizing paycheck. It focuses on a hard property decision framed with clear trade-offs, so you can compare realistic paths instead of a single optimistic listing photo.
What inputs does Downsize Dividend need?
Provide the requested prices, rates, and time horizon, then run the tool. Change a single input between runs to isolate what actually drives the outcome.
Is Downsize Dividend free?
Yes. Downsize Dividend is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.
Is this financial or real estate advice?
No. Downsize Dividend produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.