Rent vs Sell Calculator
Results
| Year | Rental Income | Mortgage Expense | Other Costs | Net Cash Flow | House Value | House Equity | Wealth (Rent) | Wealth (Sell) | Difference |
|---|
Note: values in parentheses represent costs (money leaving your pocket). A negative net cash flow indicates that your expenses exceed rental income for that year.
Gather ‘Round: Why Use Our Rent vs. Sell Calculator?
At Round Table Realty, we believe in putting people before property—so when you’re deciding whether to rent out your home or sell it outright, you deserve clear, honest numbers. Our Rent vs. Sell Calculator convenes all the key factors—mortgage payoff, taxes, insurance, rent cash flow, and property appreciation—into one long-lasting discussion. Think of it as your data points of the real estate round table: each element has a seat, and together they help you chart the best path forward.
Whether you’re an experienced investor or a first-time seller, this tool guides you step by stepto an educated decision. Below, we explain how each piece fits into the bigger story.
Key Factors to Consider
Mortgage Balance & Payoff
Once you share the month/year you bought or refinanced and the original loan amount plus interest rate, our calculator armor-bearers conjure an amortization schedule. This reveals your current loan balance and projects the remaining balance when you plan to sell (Years to Hold). That payoff figure becomes critical when tallying your Net Sale Proceeds—the gold you walk away with after paying off your loan and any selling fees.
Taxes & Insurance
We ask for annual property tax and annual insurance so our calculations accurately factor in your monthly PITI (Principal, Interest, Taxes, and Insurance). That monthly PITI is then compared side by side with your potential rental income, giving you an honest view of cash flow versus mortgage obligations.
Should you keep the keys and become a landlord, you’ll collect monthly rent—but you’ll also face vacancy (we let you input a percentage) and operating expenses:
Maintenance Reserves: A slice of your home’s value set aside each year for repairs.
Taxes & Insurance: Already included in your monthly PITI, but still part of your annual cost-of-ownership when you rent out.
We calculate your Net Annual Cash Flow—rent minus all these expenses and your PITI payments—to see if keeping the property as a rental truly lines your coffers.
Your home is more than four walls—it’s an investment. Tell us the expected annual appreciation rate, and we’ll forecast your home’s future market value after your chosen hold period. Then we calculate:
Future Loan Balance: How much you’ll still owe when you sell in X years.
Future Selling Costs: Brokerage commissions and closing fees as a percentage of sale price.
Capital Gains Tax: Only if this isn’t your primary residence—otherwise, you may be exempt up to $250K/$500K (single/married). We let you specify an effective tax rate to estimate any gains tax due at sale.
Combining these figures gives your Future Net Sale Proceeds—the treasure you’ll claim after paying off the loan, fees, and taxes.
Side-by-Side Comparison:
Rent vs. Sell
Rent & Sell Later: Cumulative net rental profit (Net Annual Cash Flow × Years to Hold) plus Future Net Sale Proceeds.
Our calculator then advises as to which strategy appears more profitable—renting and selling later, or selling right away—so you can make your decision with confidence.