Explore Your Options

Keep vs. Sell Calculator

Compare the estimated costs and potential outcomes of keeping or selling your property as you plan your next move.

Your numbers. Your next step.

Compare selling now with keeping it as a rental.

Enter your property value, mortgage details, and rental assumptions. Then select Calculate Keep vs. Sell to compare selling today with renting the property and selling later.

Property & comparison period

An assumption, not a forecast. Use 0 for no change or a negative percentage for declining value.

Your combined estimate for negotiated compensation and other sale costs. Applied to either sale date. The example is not a standard or required rate.

Current mortgage

Use the interest rate, not APR. The model assumes this rate stays fixed.

Exclude escrow, insurance, taxes, and HOA fees. Include those in operating expenses below. Use 0 for the balance, rate, and payment if paid off.

Rental income & expenses

Reduces expected rental income. Do not also include this allowance in operating expenses.

Include taxes, insurance, HOA, management, maintenance, and expected repair costs as a monthly average. Exclude principal and interest. Include mortgage insurance here if applicable.

Starting values are examples, not quotes or forecasts. Enter 0 for costs that do not apply. Rent and operating expenses stay constant throughout this projection.

Planning comparison only. Results depend on your assumptions. Actual rental income, expenses, sale proceeds, and tax consequences may differ.