Free Home Equity Tool

How much has your home grown?

Enter a few simple details, and we’ll estimate how much your home has appreciated since you bought it, the total percentage it’s grown, and the average yearly rate. It takes about thirty seconds, and the math is free.

Results are estimates based on the two values you enter, not an appraisal.

Tell us about your home

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A rough current value is fine. Your county tax assessor or a quick online estimate work well.

The Simple Math

How the appreciation rate is calculated

The calculator uses a compound annual growth rate (CAGR), the same math banks use to measure how a lump of money grows over time. It takes your whole gain, spreads it evenly across every year you’ve owned the home, and returns a single per-year percentage.

A home’s value rarely moves in a straight line. Some years jump, some years stumble, and some barely move at all. The CAGR evens all of that out into one number you can compare against other homes, other cities, or the stock market.

(Ending Value ÷ Starting Value)(1 ÷ Years) − 1 = annual rate
A Few Things to Keep in Mind

Estimates, not appraisals

The two values you enter drive everything, so the result is only as good as those inputs. A real appraisal or comparative market analysis will always be the definitive number.

Growth is local

Even within the same city, appreciation differs street to street. Big picture numbers can still be genuinely useful for planning ahead.

Past is not a promise

What your home has done is not a guarantee of what happens next. This tool is educational, not investment advice.

The Why It Matters

That growth is real money your family already has

For many parents, the home is the biggest asset they’ve ever built. Understanding how much it’s grown is the first step toward deciding what it could do next — funding in-home care, topping off retirement, or simply passing along peace of mind.

Want to talk through what a parent’s home equity could mean for care, income, or inheritance? Adam explains the options in plain English, with zero pressure.