Home›Sell vs Hold Calculator

Sell vs Hold Calculator

Should you sell now or hold the rental property? Compare after-tax proceeds from selling vs future cash flow from holding.

📍 Property Address (optional)
✓ Saved
InputsShared
Property
Current Market Value
$
Adjusted Cost Basis
$
Accumulated Depreciation
$
Selling Costs
$
Rental Income (if holding)
Monthly Rent
$
Monthly Mortgage
$
Tax/mo
$
Insurance/mo
$
Maintenance %
%
Growth Assumptions
Annual Appreciation %
%
Annual Rent Growth %
%
Tax Profile
Your Income
$
Tax Bracket %
%
As-IsCurrent
Enter values to see results
Net if Sold Now
—
after tax
Annual Cash Flow
—
if holding
Cash-on-Cash
—
on net equity
Recapture Tax
—
owed if sold
Sell Now
Gross Sale Proceeds—
Selling Costs—
Recapture Tax (25%)—
Cap Gains Tax—
Net Proceeds—
Hold Comparison
Monthly Cash Flow—
Annual Cash Flow—
Current Equity—
Pro FormaAfter plan
Enter values to see results
Sell in 5 Years
—
future net
Hold 5 Years CF
—
cumulative
Sell in 10 Years
—
future net
Better Option
—
5-Year Projection
Value in 5 Years—
Tax if Sold Yr 5—
Net if Sold Yr 5—
Cumulative CF (5yr hold)—
10-Year Projection
Value in 10 Years—
Net if Sold Yr 10—
Cumulative CF (10yr hold)—