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What the Safety Cap does
Short answer
The Splitero Safety Cap is the most you can ever owe: your original investment grown at 17.99% a year, compounded monthly. At settlement you pay the lower of the Split Percentage of your home's value or this cap.
Safety Cap on a $100,000 investment
| Settle after | Maximum repurchase | Growth over the investment |
|---|---|---|
| 1 year | $119,550 | 20% |
| 2 years | $142,922 | 43% |
| 3 years | $170,863 | 71% |
| 5 years | $244,202 | 144% |
| 7 years | $349,018 | 249% |
| 10 years | $596,344 | 496% |
On a $100,000 investment you receive about $95,010 after the 4.99% fee. The cap means you'd never owe more than $119,550 after one year or $170,863 after three — no matter how much the home appreciates.
- 20% of home value
- Safety Cap (17.99%/yr)
Illustrative: $50,000 on a $500,000 home, 20% Split Percentage, 3% yearly growth. Hover or tap the chart for each year.
When the cap matters
Because Splitero's Split Percentage is bigger than the share of value you received, the share of your home's value is often larger than the investment from day one. That makes the cap the deciding number for early settlements and hot markets. Later in the term, the cap keeps growing faster than most homes appreciate, so the Split Percentage of value usually becomes the smaller — and therefore the actual — amount owed.
| Scenario | Home value then | 20% share | Cap limit | You repay | Yearly cost* |
|---|---|---|---|---|---|
| 1 year, flat prices | $500,000 | $100,000 | $59,775 | $59,775 cap | 25.8% |
| 2 years, 10%/yr growth | $605,000 | $121,000 | $71,461 | $71,461 cap | 22.6% |
| 6 years, 4%/yr growth | $632,660 | $126,532 | $145,972 | $126,532 | 17.7% |
| 12 years, 3%/yr growth | $712,880 | $142,576 | $426,154 | $142,576 | 9.6% |
Illustrative: $500,000 home, $50,000 investment, 20% Split Percentage
1 year, flat prices
- You repay
- $59,775 cap
- Yearly cost*
- 25.8%
- Home value then
- $500,000
- 20% share
- $100,000
- Cap limit
- $59,775
2 years, 10%/yr growth
- You repay
- $71,461 cap
- Yearly cost*
- 22.6%
- Home value then
- $605,000
- 20% share
- $121,000
- Cap limit
- $71,461
Show 2 more scenarios
6 years, 4%/yr growth
- You repay
- $126,532
- Yearly cost*
- 17.7%
- Home value then
- $632,660
- 20% share
- $126,532
- Cap limit
- $145,972
12 years, 3%/yr growth
- You repay
- $142,576
- Yearly cost*
- 9.6%
- Home value then
- $712,880
- 20% share
- $142,576
- Cap limit
- $426,154
Read this carefully
A cap is a ceiling, not a price. The cap doesn't mean you'll pay 17.99% a year — but it also doesn't mean you'll pay less than you received if prices fall. With a high Split Percentage, even a flat or falling market can produce a repurchase above your investment, especially in the first few years.
How Splitero's cap compares
| Provider | Published cap |
|---|---|
| Splitero | 17.99%/yr, compounded monthly |
| Hometap | 18.5%/yr, compounded monthly |
| Point | Not published |
| Unlock | Not published |
| Unison | Not published |
Comparing your options?
Before you give up a share of your home's future value, see what a personal loan could look like for a smaller amount.
Figures checked on November 6, 2026 against Splitero's published terms, its press releases and independent sources. Splitero can change terms at any time — confirm everything in your written offer before signing.
