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SettleLens

House Decision Simulator

The house is usually the biggest financial decision in a divorce. See the real numbers instantly.

Housing Appreciation Scenario

Your situation

Home value$450,000

Is there a mortgage?

Remaining mortgage$280,000
Monthly mortgage payment$2,100
My annual income$85,000
Spouse annual income$75,000
Equity: $170,000 · Assumes 4% annual appreciation, 7% investment return, 6% sale costs.
🏠I Keep the House
Best

$224,494

projected net position in 5 years

  • · Equity after spouse buyout: $85,000
  • · Spouse buyout cost: $85,000
  • · Monthly mortgage: $2,100/mo
  • · Projected value in 5 yrs: $224,494
🔄Spouse Keeps the House

$119,217

projected net position in 5 years

  • · Equity payout to you: $85,000
  • · Estimated rent: $1,800/mo
  • · If invested for 5 yrs: $119,217
💰We Sell the House

$100,282

projected net position in 5 years

  • · Your share after costs: $71,500
  • · Estimated rent: $1,800/mo
  • · If invested for 5 yrs: $100,282

Note: This tool provides illustrative comparisons only. Results are estimates and may differ significantly based on local market conditions, location, and legal agreements.

See your full financial picture

This simulator uses simplified assumptions. Your full analysis including debts, income, alimony, and 10-year projections requires your complete financial data.

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⚠ Not legal advice.

This is a simplified model for illustrative purposes only. Actual outcomes depend on jurisdiction and legal agreements. Not legal or financial advice.