Equity Release Calculator: Plan Your Financial Future Now
The best equity release calculator offers a quick, accurate estimate of how much you can release, taking into account the latest market rates and your property's value. We find these tools essential for initial planning.
Last Updated: 11 Apr 2025
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Katherine Read is a financial writer known for her work on financial planning and retirement finance, covering equity release, lifetime mortgages, home reversion, retirement planning, SIPPs, pension drawdown, and interest-only mortgages.
Bert Hofhuis Is a Founder & Entrepreneur Simplifying the Complexities of Later Life Planning. He Navigates the Intricacies of Equity Release, Lifetime Mortgages, Reverse Mortgages, and Wealth Management With Clarity and Expertise.
In his long professional career, Bert has worked with multinational companies and governments, consulting on various financial and logistical projects in Africa, Europe and Asia.
He founded The Enquirer with a team of experienced finance writers and experts to help demystify topics such as equity release, lifetime mortgages, home reversions and retirement interest only mortgages, for people like himself.
Paul Derek Sawyer is an esteemed external compliance consultant in equity release, specializing in lifetime mortgages and home reversion plans. With over 20 years of experience, he expertly navigates the complexities of Equity Release Council standards and regulations.
His focus is on ensuring ethical lending practices and safeguarding consumer interests. Renowned for his expertise in financial services compliance, risk management, and audit, Paul is dedicated to promoting financial security for the elderly.
Bert Hofhuis Is a Founder & Entrepreneur Simplifying the Complexities of Later Life Planning. He Navigates the Intricacies of Equity Release, Lifetime Mortgages, Reverse Mortgages, and Wealth Management With Clarity and Expertise.
In his long professional career, Bert has worked with multinational companies and governments, consulting on various financial and logistical projects in Africa, Europe and Asia.
He founded The Enquirer with a team of experienced finance writers and experts to help demystify topics such as equity release, lifetime mortgages, home reversions and retirement interest only mortgages, for people like himself.
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Home Equity Planning Tool: Calculate Your Financial Future, Understand the Impact & Unveil Unexpected Benefits. What Will You Discover?
Key Takeaways
An equity release calculator estimates the amount you could borrow against your home's value by considering your age and property's market value.
The maximum amount you can release depends on your age, the property's value, and the lender's criteria, typically a percentage of your home's value.
Results are instant but should be viewed as estimates, not guarantees, due to variables in property valuation and lender policies.
To use a calculator without personal details, choose calculators that require only property value and age, avoiding those asking for contact information.
While a calculator can give you an idea of how much you might release, comparing deals for the best rates requires more detailed research or consultation with an advisor.
Find Out the Amount of Cash You Can Unlock in Nov 2025 With Our UK Equity Release Calculator. It's Free & It's Fast. Get Started Now.
Here's an equity release calculator to help you discover if you can access extra cash in retirement.
When you use our calculator, no documentation is required, and the results are instantly sent to your email address.
Why use us?
Our team consists of some of the most knowledgeable people in the field.
We've spent countless hours reviewing the leading plan options, and we’ve used the latest technology to create this accurate tool for you to try.
So, are you wondering what will determine how much equity you can unlock?
Find out now!
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The downsides of equity release includes impacting the inheritance you can leave, affecting your entitlement to means-tested benefits and high costs of borrowing.
How Do You Calculate Equity Release?
To calculate the amount of equity you can unlock from your home, the following will be considered:
The youngest homeowner's age.
The property's value.
Any outstanding mortgage/secured loans.
Equity release plans start for individuals or couples aged 55 or over.
The maximum amount that someone can borrow is in the region of 60%1 and is dependent on your age, health and property value, amongst other things.
What Percentage Can You Get on Equity Release?
The percentage you can get on equity release will depend on your age, your property value, and with an enhanced lifetime mortgage, the state of your health.
As you know by now, the Loan to Value (LTV) that you'll qualify for is very much determined by your age.
To make things easier, we've done the calculations for you.
Here's the percentage of the best equity release deals you can get if you're healthy or fit the criteria for an enhanced lifetime mortgage.
What's the Maximum You Can Get on Equity Release?
The maximum you can get on equity release is approximately 58% of your property's value.
Various factors can affect the final amount you can release, including your age and certain aspects of your property, such as where it's located and what kind of property it is.
How Much Equity Can You Release?
You can release between 20% and 100% of the value of your home, depending on how you choose to release the equity from your home.
A lifetime mortgage will enable you to release between 20% and 60% of your home’s value, whereas a home reversion scheme will increase that percentage to between 80% and 100%.
How Much Will I Pay Back With Equity Release?
You aren't required to pay back any of your equity release loan during your lifetime, or at least not until you go into long-term care.
When you pass away or enter permanent care, your home is sold to cover your equity release loan and the interest that has accumulated over the term of your loan.
The actual amount that will have to be paid back depends on the interest rate you could secure with your provider and whether any repayments were made before settlement.
It's vital to discuss all of your options with your equity release adviser to determine whether you can repay some or all of the interest on your plan and whether you’ll be charged early repayment charges2 if you decide to settle your loan early.
3 Reasons Why You Should Use Our FREE UK Equity Release Calculator
It's the first step towards unlocking extra cash. It's quick, easy, and you’ll get your results immediately. The equity loan calculator is the perfect way to get a sense of the amount of cash you could unlock in just 8 seconds.
We'll protect your personal details. In addition, by using our calculator, a specialist from Age Partnership will give you a call to discuss your options and any questions you have.
We'll instantly email your results. It's that simple.
How to Use Our Free Equity Release Calculator
To use our equity release calculator, you simply need to enter the following information:
The approximate value of your home
Your age
Your contact details
How Does An Equity Release Calculator Work?
An equity release calculator works by analysing your age and property value to calculate your maximum and minimum borrowing amounts.
Generally speaking, the older you are, the more you'll be able to borrow.
What Information Is Required To Use an Equity Release Calculator?
The following information is required to use most equity release calculators:
These fees are in addition to the interest charged throughout the loan term.
How Much Equity Could I Release From My Property?
The amount of equity you can release from your property will depend on your age and the value of your property.
What's The Benefit Of Using An Equity Release Calculator?
The benefit of using an equity release calculator is that you obtain an instant estimate of the tax-free cash you could potentially release from your home.
In Conclusion
Now that you've got a sense of how much equity you could unlock, you may be wondering what to do next.
Your first step is to try our FREE equity release calculator right now!
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