Hearthfork’s Renovate-or-Move Calculator

Why it surfaced

It models both paths month by month, including mortgage-rate lock-in, transaction costs, equity, renovation financing, remaining debt, and opportunity cost. It also asks whether the change is really about space, schools, commute, or construction tolerance—useful reminders that the cheapest answer may not solve the actual problem.

A browser-based calculator compares the financial consequences of renovating your current home with selling and buying another one.