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ZMG Move Up Calculator

Compare staying in your current home versus moving up now, including payment impact, equity growth, refinance math, and a wealth accumulation view built from the workbook’s core structure.

Move Up Amount
$0
Purchase price minus current sale price
Monthly Payment Change
$0
New payment compared with current
10-Year Interest Difference
$0
Extra interest to move up, months 1-120
10-Year Equity Advantage
$0
Compounded home value less loan balance

Current Home

Stay & Refinance
Workbook default appears to use 8.79% in the move-up comparison.
Equity From Sale$0
Monthly Principal & Interest$0
Payment After 1-Year Refinance$0

Move Up

Move Up Now
Down Payment$0
Loan Amount$0
Monthly Principal & Interest$0

Scenario Insights

Live
1-Year Appreciation On New Home$0
Stay & Refinance 1-Year Interest$0
Move Up 1-Year Interest$0
Year 1 Interest Difference$0
Years 2-5 Interest Difference$0
Years 6-10 Interest Difference$0
Years 11-30 Interest Difference$0
Total Interest Difference$0

Move Up Comparison

Interest by horizon, then the ten-year equity position
MetricStay & RefinanceMove Up Now
Each horizon is reported on its own. Home values compound at the annual appreciation rate, and each side is credited only with the home it actually owns. Equity is home value less loan balance; the monthly payment difference shown above is not reinvested on either side.

Wealth Accumulator

1, 5, and 10-year return snapshots

Conservative Model

Historic 10-Year Model

This web version recreates the workbook’s core calculations in browser-side mortgage math, including amortization-based interest checkpoints and the refinance scenario reflected by the “Buy Now Refi” worksheet.