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Wealthie

WISE Opportunity Calculator

Explore different WISE amounts to see how potential investment growth compares with projected home appreciation over time.

Your Home

Home Equity$300,000

WISE Amount

$75,000

$15K$75K

Market Return / yr

10%

-5%15%

Near the S&P 500's 2006–2025 annualized return. Historical returns are not forecasts.

Home Appreciation / yr

2%

-3%6%

Near the national 2005–2025 annualized appreciation rate. Historical results are not forecasts.

InvestmentOwed

$1.3M

Investment

+$918K

Kept

$390K

Owed

5 Years

+$9,758

Invested →$120,789
Owed →$111,031

10 Years

+$44,337

Invested →$194,531
Owed →$150,195

20 Years

+$195,576

Invested →$504,563
Owed →$308,987

30 Years

+$918,365

Invested →$1,308,706
Owed →$390,341

This calculator is for educational and illustrative purposes only. It is designed to help users understand how different assumptions about home value, home appreciation, and investment returns may affect the potential cost of using the WISE product. Results are based, in part, on user-provided assumptions. The results are hypothetical and are not a guarantee, prediction, or promise of any future outcome.

Methodology and Limitations: The calculator applies user-selected assumptions as constant annual rates over the selected term using yearly compounding. It does not model market volatility, changes in assumptions, interim deposits, withdrawals, rebalancing, or sequence-of-return effects, as applicable. Investment results are shown before advisory fees and exclude fund expenses, taxes, and inflation. Model results may vary with each use and over time.

Actual results may differ materially based on market conditions, investment performance, home value changes, contract terms, fees, taxes, property costs, and other factors. Investments can rise or fall in value and involve risk, including the possible loss of principal. Real estate values can rise or fall, and while home equity can be a meaningful part of a homeowner's net worth, accessing it may involve costs, timing considerations, eligibility requirements, and other important tradeoffs.

The calculator does not provide legal, tax, mortgage, real estate, or personalized investment advice and should not be relied on as the sole basis for any financial decision. Wealthie and its affiliates do not guarantee that invested proceeds will offset, exceed, or reduce the cost of a WISE agreement. Users should carefully review all applicable agreements and disclosures and consult qualified professionals before making a decision.

S&P Dow Jones Indices LLC, S&P 500 Index. Annualized return calculated for January 1, 2006 through December 31, 2025 using historical total returns in U.S. dollars, including the reinvestment of dividends and before fees, expenses, taxes, and inflation. The approximately 11.0% annualized return is a historical calculation and does not represent an expected return for any portfolio. An investor cannot invest directly in an index. Past performance does not guarantee future results.

The S&P Case-Shiller U.S. National Home Price Index appreciated by approximately 3.0% annually from December 2005 through December 2025. National historical results may not reflect the appreciation of a specific property or local housing market. Source: S&P Cotality Case-Shiller U.S. National Home Price Index, not seasonally adjusted, retrieved through the Federal Reserve Bank of St. Louis FRED database.