Most retirees face a common challenge: their savings and income don't fully cover the lifestyle they want or the care they need. Traditional retirement calculators focus on investments and Social Security, but they overlook one of the most powerful assets sitting right beneath your feet: home equity. Whisper is a retirement calculator built specifically to show how your home can bridge the gap between what you have and what you need... Whether you're considering aging in place with in-home care or moving to assisted living, Whisper models how different housing decisions, including leveraging home equity through a retirement mortgage or selling, can extend your financial runway and make your retirement goals achievable. Instead of leaving you to guess whether your savings will last, Whisper provides clear, side-by-side comparisons that show exactly how tapping into your home's value can fill funding shortfalls and keep you financially secure throughout retirement.
To get the most accurate results from the Whisper Retirement Calculator, it’s important to include the potential funds available through a reverse mortgage, but Whisper can’t automatically generate that number. Since every homeowner’s equity, age, goals, and property details are unique, the best way to get a personalized estimate is to request a complimentary, no-obligation loan estimate from our team. This loan estimate will show how much money a reverse mortgage could provide to fund staying home as long as possible and will even show you how more funds can become available as you age. By planning ahead by putting the reverse mortgage loan in place sooner, you can hedge against aging with a larger return. To ensure your calculation reflects your full financial picture, request a reverse mortgage loan estimate today so you can make informed decisions with confidence. Provide the information in the form below and our loan officer will be in touch.
How much do you qualify for?
No Obligation. No Credit Check.
Why This Retirement Calculator is Different
Whisper transforms home equity from a passive asset into an active retirement planning tool. For many seniors, the equity locked in their home represents decades of wealth that could mean the difference between compromising on care or living comfortably in their preferred setting. Our retirement calculator helps you see precisely how accessing this equity—strategically and on your terms—can support your chosen lifestyle without depleting your other savings too quickly. Whether you're working with a financial advisor, discussing options with family, or planning independently, Whisper provides unbiased, data-backed insights that show when and how home equity can serve as the financial bridge you need. It's retirement planning that honors both the numbers and what matters most: maintaining your independence, dignity, and peace of mind knowing your funding strategy is sustainable no matter the choice you make, and now you can have the data to support that.
