See exactly how a reverse mortgage affects your kids' inheritance year by year. Adjust the sliders to model your situation. The chart updates instantly.
Move the "Voluntary Annual Payment" slider up to see how much inheritance you save by paying just the interest each year.
Lower the "Reverse Mortgage Amount" slider — even a $50,000 reduction compounds to big inheritance gains.
Draw funds only as needed. Interest accrues only on what you actually withdraw, not the full credit line.
A free 15-minute call gives you exact numbers for your situation, plus alternatives that may preserve more inheritance. Adult children welcome to attend.
Book a Free Family ConsultationThis tool projects your home's value, the reverse mortgage balance, and the remaining inheritance over time. It uses the same compounding math as the actual lender contracts, so the numbers are realistic — not marketing.
The single biggest factor: how long the loan stays in place. A reverse mortgage held for 5 years has minimal inheritance impact. One held for 25 years can dramatically reduce what you leave behind.
The second biggest factor: home appreciation. If your home appreciates faster than the loan compounds, your kids still inherit substantial equity even after a long loan term. The realistic Ontario long-term average is 4–5% appreciation — try moving that slider to see the difference.
The third biggest factor: voluntary payments. Most borrowers don't realize they CAN make voluntary payments. Even paying just the annual interest keeps the principal flat, eliminating compounding entirely. Move the "Voluntary Annual Payment" slider to see this in action.
For a deeper explanation of inheritance strategies, see our article Reverse Mortgages and Your Inheritance: What Your Kids Need to Know.