Equity release calculator
Estimate how much equity you could unlock from your home and confidently plan your finances.
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Estimate how much equity you could release
Use our equity release calculator to estimate how much money you may be able to release from your home based on your age, property value and circumstances.
Your result can give you a starting point if you are considering using property wealth to support retirement income, repay an existing mortgage, help family or fund later-life plans.
Equity release is a long-term commitment and may reduce the value of your estate. The amount available, product features, and suitability will depend on your age, property, health, lender criteria and wider financial position.
How an equity release calculator can help
Estimate what may be available
See how much you may be able to release from your home before exploring later-life mortgage options in more detail.
Plan around your wider goals
Use your result to consider whether the amount available could support your retirement, family, mortgage or lifestyle plans.
Understand when advice matters
Get a clearer starting point before reviewing the long-term impact on inheritance, benefits, tax position and future flexibility.
Compare later-life lending options across 100+ lenders
Muttuo Mortgages can compare later-life lending options across 100+ lenders, helping you review equity release, retirement interest-only mortgages, standard mortgages and other possible routes before you decide.
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Your equity release calculator questions answered
What does an equity release calculator show?
An equity release calculator estimates how much money you may be able to release from your home.
The result is usually based on factors such as your age, property value, mortgage balance and sometimes health or lifestyle information.
Is the result guaranteed?
No. The result is only an estimate.
The amount you may be able to release will depend on lender criteria, property valuation, your age, health, existing mortgage, product type and wider circumstances.
What can equity release be used for?
Equity release may be used for different reasons, including repaying an existing mortgage, supporting retirement income, helping family, making home improvements or funding later-life plans.
However, it is important to consider the long-term cost and whether other options may be more suitable.
Does equity release affect inheritance?
Yes, it can. Equity release may reduce the value of your estate and the amount you leave behind as inheritance.
Some products may offer inheritance protection or the ability to make repayments, but this depends on the lender and product features.
Does equity release affect benefits or tax?
It can. Releasing money from your home may affect means-tested benefits and could have tax implications depending on how the money is used.
You should speak to a qualified adviser before making a decision.
Are there alternatives to equity release?
Yes. Alternatives may include downsizing, remortgaging, a retirement interest-only mortgage, using savings, family support or other later-life lending options.
The right route depends on your income, age, property, mortgage balance, goals and wider financial position.
Your results are for guidance only
Your results are for guidance only and are based on the information you enter. They are not a mortgage offer, approval in principle or financial advice.
Equity release is a long-term commitment and may reduce the value of your estate. It can affect inheritance, tax position, means-tested benefits and future financial flexibility.
The amount available and the suitability of any product will depend on your age, property value, existing mortgage, health, lender criteria and wider circumstances.
You should seek specialist equity release advice before making a decision. Your home may be repossessed if you do not keep up with repayments on a mortgage secured against it.