Rent vs. Sell Calculator

A plain comparison of cash if you sold today versus cash flow and a rough future value if you rented. It is not an appraisal, a tax estimate, or a recommendation. Principal paydown, capital gains, depreciation, and surprise repairs are not in the math.

Home value ($)Mortgage balance ($)Selling costs (%)Expected monthly rent ($)Monthly costs, excl. management ($)Management fee (%)Years to holdAnnual appreciation guess (%)

If you sold today

$198,500

Value minus mortgage balance minus selling costs. Cash, before taxes.

If you rented

$1,260 / month

Management at the fee above: $240 per month.
Cash flow over the hold: $75,600, before income tax.
Rough future value: $521,673. Equity if the mortgage balance never fell: $301,673.

Principal paydown, capital gains, depreciation, and repairs that are not in the monthly cost are excluded. Not an appraisal.

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