A bigger home costs more than the mortgage difference.
Enter both home prices. See the monthly upgrade cost and 30-year opportunity cost compounded.
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Your Parameters
Live
The Homes
Running Costs (% of price difference)
30-Year Opportunity Cost of Upgrade
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calculating…
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What This Really Means
Adjust the sliders to see your personalised analysis.
Opportunity Cost Over 30 Years
Wealth foregone
Full Breakdown
Home prices
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Mortgage payments
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Extra mortgage/mo
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Tax + maintenance extra
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Total extra/mo
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30-year opportunity cost
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Common Questions
Does a bigger home ever make financial sense?
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Yes — if appreciation outpaces the opportunity cost, or if you need the space for a growing family with clear plans to stay long-term. This tool shows the financial cost; you decide if the lifestyle benefit justifies it.
What costs are not included?
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PMI (if down < 20%), HOA fees, home insurance, realtor fees on resale. Adding these increases the opportunity cost further.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.