Rental Deal Analysis · Already own the property? You are in the right place.

Rental Property Hold or Sell Calculator

Free to use. No sign-up required.

Would you buy this property today for the cash you could take out of it? Enter what it would sell for, and see the return you earn on that equity by continuing to hold.

For educational purposes only. This analysis is not investment, financial, legal, or tax advice. Taxes on sale are a simplified estimate; confirm them with a tax professional before deciding.

If you sold today

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Existing loan — leave the balance at 0 if the property is paid off

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Rental income

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Operating expenses

Enter absolute annual amounts in your property's currency. Capital spending and reserves are not modeled.

Projection assumptions

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Property location — optional, checks your growth assumptions against local data

What this calculator does

Most owners judge a rental by what they paid for it. That is the wrong anchor once you own it: the only capital at risk is the cash you could take out today. This tool treats that after-tax cash-in-hand as the cost basis of the hold decision and projects the forward IRR you earn on it by continuing to hold — the same way a buyer would underwrite the property at today's price.

  • Forward IRR on your equity for every possible sale year, after taxes on sale if you model them.
  • Property-level IRR and cap rate at today's price — how a new buyer would see the deal.
  • The year your forward return peaks, and how much of it depends on appreciation versus cash flow.
  • Optional check of your rent-growth and appreciation assumptions against local census history.

Evaluating a property you do not own yet? Use the Rental Deal Analysis calculator instead.