Golden Handcuff Calculator
See How It Works
Still Holding Onto That 2–3% Mortgage Rate? It Might Be Costing You More Than You Think…
Thinking about upsizing, downsizing, or consolidating debt — but afraid to give up your ultra-low mortgage rate? You’re not alone.
But here’s the truth: your rate might not be the thing holding you back… your assumptions might be.
I created the
Golden Handcuff Calculator to help homeowners finally see the REAL numbers behind staying vs. moving. No guesswork. No fear. Just clarity.
You’ll discover:
- Whether staying in your current home is costing you more in the long run
- How upsizing or downsizing can actually improve your financial picture
- What happens when you roll in high-interest debt
- The true cost difference between your current payment and a future one
If your home no longer fits your lifestyle — or your finances — this tool will help you make a confident, informed decision.





