Downsizing Calculator

Compare your options: Downsize & Buy vs. Sell & Rent

Current House
Your existing home details

Texas average: 1.8% to 2% of home value

National average: 1% to 4% of home value

Monthly Total:$3,542
Annual Total:$42,500
New House
Your downsized home details

Texas average: 1.8% to 2% of home value

National average: 1% to 4% of home value

Monthly Total:$3,093
Annual Total:$37,111
Transaction & One-Time Costs

If checked, no capital gains tax (up to $250k single / $500k married exemption applies)

National average: 3% to 6% for agent fees + 1% for escrow fees

Typically 1% to 3% of purchase price

💰 Annual Cash Flow Savings
How much you'll save each year by downsizing
Monthly Savings:$449
Annual Savings:$5,389

This is the difference between your current annual costs and new annual costs (mortgage + property tax + maintenance + insurance)

National average: 6% to 7% (expected annual return if you invest your monthly/annual savings)

Total Savings Over 10 Years:$53,894
Cash After Purchase:$130,000
Investment Value (Savings + Growth):$330,193

This includes your leftover cash after purchase plus annual savings invested at 7% return

Projection Settings & Results

After 10 Years:

New Home Value:$470,371
Remaining Mortgage:$109,077
Net Home Equity:$361,294
Savings Investments:$330,193
Total Net Worth:$691,487