Rent vs. Sell Calculator

Estimated market value of your home today.

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Used to calculate capital gains tax. Leave blank to ignore CGT.

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Remaining principal on your current mortgage.

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Annual interest rate on the existing mortgage.

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How many years are left on your current loan term.

Auto-calculated from your mortgage details. You can override this if your actual payment differs.

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Expected monthly rent in the first year.

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Average yearly increase in rent.

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Percent of time the property is expected to be vacant each year.

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Percent of collected rent paid to property management.

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Estimated maintenance as a percent of home value.

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Yearly property tax expense.

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Yearly homeowner's insurance expense.

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Monthly HOA dues, if any.

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Any other recurring monthly expenses.

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Expected annual appreciation rate of the home.

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Annual return rate for invested proceeds or cash flows.

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Total selling costs as a percent of sale price (agent + closing).

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Major improvements that increase your cost basis.

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Approximate effective tax rate on taxable gains.

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Used only when Primary Residence is checked. Single excludes up to $250,000. Married filing jointly excludes up to $500,000.

Married filing jointly Single

If this qualifies as your primary residence, you can exclude the gain of up to $250,000 ($500,000 if married filing jointly) from the sale of your property from taxation (at least 2 of last 5 years).

How long you plan to hold the property if you rent it out.