Free Sell vs Hold Tool

Compare Selling Now With Keeping The Property

Compare selling today against holding the home, including proceeds, taxes, rent alternatives, ownership costs, and future equity.

Net proceedsEstimate what you keep after selling costs and taxes.
Hold pathProject future sale value and principal paydown.
Rent alternativeAccount for rent after selling and investment returns.

Your property

Address is optional. If provided, it can prefill estimates that remain editable.

Optional property prefill

Use available property data to prefill value, rent, and property context. You can edit any value.

Selling costs and tax

Primary residence plus 2 of last 5 years defaults capital gains tax to 0%. Any no defaults to 15%.

Hold scenario

Mortgage principal is modeled as equity growth. Non-principal ownership costs are treated as true costs.

Property tax, insurance, HOA, maintenance, and other non-principal costs. Do not include mortgage principal and interest.

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What this calculates
We compare sell-now wealth against hold-and-sell-later wealth while separating equity growth from true ownership costs.
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    Net proceeds

    What you keep after loan payoff, selling costs, and tax.

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    Hold value

    Future sale value after costs and remaining loan balance.

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    Holding costs excluding principal

    Interest and carrying costs, excluding principal paydown.

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