When it comes to discussing retirement plans, the question of affordability is often the question no one can answer. Whether a client is considering aging in place with in-home support or making the move to an assisted or independent living community, the financial puzzle can feel overwhelming. That’s why we created “Whisper“: a digital retirement calculator designed to simplify these conversations and help seniors (and their families) make informed, data-driven decisions with confidence.

Bridging the Gap Between Uncertainty and Clarity

Reverse mortgages are powerful tools, but they’re also misunderstood. Many clients hesitate to consider them simply because they can’t picture how the solution fits into their real-life retirement plans. This is where our retirement calculator comes in.

“What we found,” says Riley Anderson, founder of Freestone Mortgage, “is that people don’t necessarily say ‘no’ to reverse mortgages, they just don’t understand how they work in the context of their actual needs. Our retirement calculator “Whisper” helps people visualize what’s possible using numbers that reflect their life.”

Unlike traditional calculators that provide static loan estimates or home value projections, our retirement calculator Whisper dives deeper. It compares how long a retiree’s funds might last in different senior living scenarios, from staying in their current home with support with and without the use of a reverse mortgage to supplement their plan, to transitioning to a care community at 3 different budget levels.

Our Retirement Calculator “Whisper”: A Smarter Way to Plan Retirement Living Options

At its core, Whisper isn’t about pushing a financial product. It’s about equipping seniors and their families with knowledge, empowering them to explore different paths in a pressure-free, private environment.

“We designed Whisper to be a safe place for exploration,” Anderson explains. “The calculator gives you visual, side-by-side comparisons that show how home equity could be used to fill in the financial gaps, whether that means funding home modifications, covering care services, or reducing budgetary obligations, like their monthly mortgage payment that can be eliminated with a reverse mortgage.”

This transparency makes conversations with financial advisors, care coordinators, and even adult children more productive. Instead of wondering “Can we afford this?”, users can begin to ask “Which of these options best aligns with our goals?”

Why Digital Tools Matter in Senior Finance

In a world increasingly driven by data and personalization, senior clients deserve tools that match the complexity of their lives. Traditional paper brochures and generic advice no longer cut it. The Whisper retirement calculator transforms the reverse mortgage from an abstract idea into a tangible strategy, tailored to individual circumstances.

“It’s not just about the numbers, it’s about what those numbers make possible,” Anderson adds. “Whisper helps us meet families where they are, with compassion and clarity. That’s the foundation of every great financial conversation.”

Try Whisper for Yourself

If you’re a professional working with older adults, or if you’re navigating these questions for yourself or a loved one, Whisper is available to use now, with no obligation or sales pressure. Just data-driven insights, clear comparisons, and a fresh approach to retirement living options.

Try the Whisper Retirement Calculator here
Want help interpreting your results? Our team is happy to walk you through them.