Finance Calculators

Sell vs Rent

Compare net worth after keeping your home as a rental versus selling and investing the proceeds.

Property details

Enter your home, mortgage, rental, and investment assumptions.

Property & mortgage

Home value

USD

Mortgage balance

USD

Mortgage interest rate

Remaining term

yrs

If you keep & rent

Monthly rent

USD

Monthly expenses (non-mortgage)

USD

Home appreciation

%/yr

If you sell

Selling costs

USD

Investment return

%/yr

Analysis horizon

yrs

Comparison summary

See which path builds more net worth over your analysis period.

Rent wins after 10 years

$157,728.94 advantage

Rent overtakes sell in year 1.

Keep & rent

Net worth at horizon$439,031.58

Future home value$604,762.37

Home equity$387,730.56

Net cash flow position$51,301.02

Monthly net cash flow$309.42

Sell & invest

Net worth at horizon$281,302.64

Net sale proceeds (today)$143,000.00

Rent scenario net worth includes home equity plus invested rental surplus minus out-of-pocket shortfalls. Sell scenario assumes you invest net proceeds today.