Boston Mature Homes | Senior Housing Advisor

A Cottage for Mom. Right in the Backyard.

An Accessory Dwelling Unit (ADU) is a self-contained, independent living space on a family property. For many families, it's the best of all worlds — a parent maintains full privacy and independence, while family is just steps away.

Jack is one of Massachusetts' leading ADU specialists, operating as an independent advisor (not a builder) who helps families determine whether an ADU makes financial and practical sense before they commit to anything.

You're Doing Everything You Can. Let Us Help.

If you're reading this on behalf of a parent — or you've been researching options while managing your own family and career — you are part of what's known as the Sandwich Generation. You're caught between the needs of aging parents and the demands of raising your own family.

Jack and his team have helped many families navigate this exact situation. We work with adult children, Powers of Attorney, and caregivers as often as we work with homeowners directly. We speak plainly, move at your parent's pace, and make sure everyone feels heard.

If your parent isn't comfortable with computers, that's perfectly fine. We'll meet them where they are — at the kitchen table if that's what it takes.

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Important Disclaimer This calculator is designed solely to illustrate estimated cash flow differences based on assumptions you provide. It does not constitute financial, tax, legal, or investment advice of any kind. Results are estimates only and will vary based on your individual circumstances. All figures should be verified with qualified financial, tax, and legal professionals before making any housing or financial decisions. By using this calculator, you acknowledge that all data entered is your own and that Boston Mature Homes and Jack Girvan CSHP assume no responsibility for decisions made based on these projections.

Current Home

Annual and upcoming costs today

Property Taxes ($/yr)

Homeowner's Insurance ($/yr)

Gas / Heating ($/yr)

Electric ($/yr)

Water / Sewer ($/yr)

Routine Maintenance ($/yr)

Landscaping ($/yr)

Snow Removal ($/yr)

Mortgage Payment ($/mo, if any)

Other (HOA, etc.) ($/yr)

Upcoming Major Expenses

Enter the total cost and years until needed. The calculator spreads each cost over the remaining years to show you the true annual burden.

Roof Replacement ($)

Years Until Needed

Septic System ($)

Years Until Needed

Heating System ($)

Years Until Needed

Exterior Paint ($)

Years Until Needed

Other Major Expense ($)

Years Until Needed

Rightsized Home

Condo, townhome, 55+ community, or ADU

Monthly Housing Cost (mortgage or rent) ($/mo)

HOA / Condo Fee ($/mo)

Property Taxes ($/yr)

Homeowner's / Condo Insurance ($/yr)

Gas / Heating ($/yr)

Electric ($/yr)

Water / Sewer ($/yr)

Maintenance ($/yr)

Other Annual Costs ($/yr)

Redirect Your Savings Toward

What would you do with the money you save every month? Fill in what matters to you.

✈️ Travel & Vacations ($/mo)

👨‍👩‍👧‍👦 Visiting Family ($/mo)

🍽️ Dining Out & Entertainment ($/mo)

🤝 Charitable Giving ($/mo)

❤️ Health & Wellness ($/mo)

Enter your home costs above to see your personalized savings estimate.

Your Financial Runway — How Long Will Your Savings Last?

The greatest fear for most seniors is outliving their money. The best antidote to fear is a clear, honest picture. Enter your financial details below and see — side by side — how long your savings last today versus after rightsizing. Knowledge is peace of mind.

Your Current Age

Total Savings & Investments ($)

Annual Income (SS, pension, etc.) ($/yr)

Other Annual Living Expenses ($/yr)

Investment Return Rate (%/yr)

Inflation Rate (%/yr)

Income Growth Rate (%/yr)

Complete the fields above to see your financial runway.

Scenario A — Current Home

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Scenario B — Rightsized Home

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This illustration is for educational and planning purposes only. It uses simplified assumptions and does not account for taxes, market volatility, healthcare cost changes, or other individual circumstances. Please consult a qualified financial advisor before making any financial decisions.

Participant Acknowledgment

For use during in-person consultations, workshops, and Senior Center presentations. Please complete the fields below to confirm that all figures entered in this calculator were provided by the participant, and to generate a printed summary.

Participant Full Name

Today's Date

City / Town

Event or Location (optional)

"I confirm that all financial figures, property costs, and assumptions entered into this calculator were provided by me or on my behalf. I understand that this calculator is designed to illustrate estimated cash flow differences only, and does not constitute financial, tax, legal, or investment advice. I acknowledge that the results shown are projections based solely on the figures I have provided, and that individual results will vary. I have been encouraged to consult qualified financial, tax, and legal professionals before making any major housing or financial decision."

I have read and understand the statement above. I confirm that all figures entered are my own, and I acknowledge this calculator does not provide financial or tax advice.

Enter your name, date, and check the box above to enable printing.

Ready to print. Click the button above to generate a full summary with your acknowledgment.

Your Legacy & Estate Impact — What Could Be Preserved?

Housing costs are one of the most controllable variables in a retirement financial plan. This panel shows the projected difference in remaining savings at a future horizon — under the current home scenario versus a rightsized home. It's not about fear. It's about choices.

👨‍👩‍👧 For adult children and family members: this panel shows, in real numbers, what can be preserved — or lost — depending on housing decisions made today. An informed family has a much easier conversation than a family in crisis.

Show me savings balance in years from today (adjust to your planning horizon)

Complete the Financial Runway fields above to see estate impact.

An Advisor Who Has Seen Every Side of This Decision

With over 40 years in Greater Boston real estate, Jack Girvan has worked through virtually every housing situation a family can face. A graduate of Bentley University and former founder of Educational Funding Consultants, Jack brings a financial advisor's discipline to real estate decisions that are rarely just about real estate.

As a Certified Senior Housing Professional (CSHP) and member of the Seniors Real Estate Institute, Jack is trained specifically in the emotional, logistical, and financial complexities that accompany late-in-life moves. He works as an advisor first — never steering clients toward a transaction they don't need.

Jack is also one of Massachusetts' leading ADU specialists, operating independently through ADU4MOM.com and aduexpertMA.com — advising families on the financial case for ADUs before connecting them with trusted builders.

Jack is a board member of Dream Day on Cape Cod, a nonprofit providing respite experiences for families with seriously ill children — a reflection of his commitment to the families of Greater Boston beyond the transaction.

A consultation with Jack is free, honest, and without obligation. We'll sit down, look at your full situation, and tell you what we genuinely think makes the most sense — even if that means recommending you stay right where you are.

Schedule Your Free Consultation

Your Home Has Served You Well.
Now Let's Make It Work for You.

There Is No One Right Answer. There Is Only Your Right Answer.

Downsize or Rightsize

Build an ADU — Stay on the Property

Senior Community Living

A Cottage for Mom. Right in the Backyard.

You're Doing Everything You Can. Let Us Help.

How We Support Families Through This Process

See the True Cost of Staying Put

Five Steps to Downsizing Made Easy

Create Your Plan — On Your Terms

Communicate Your Wishes to Family

Assemble Your Support Team

Sort, Simplify, and Declutter

Settle In and Celebrate

An Advisor Who Has Seen Every Side of This Decision