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Housing Decision Calculator

For current homeowners: compare keep, sell & rent, sell & buy, rent out & rent, or rent out & buy.

Don't own a home yet? Use the Rent vs Buy Calculator.

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Scenarios to compare
Keep current home
Sell & rent
Sell & buy new home
Rent out current home & rent
Rent out current home & buy
Select at least two scenarios to compare. The form adjusts based on your picks.
Calculation options
Invest monthly savings difference
Assume selling home at end
Sign in to estimate liquidation of your investment portfolio.
Optional — link a property to auto-fill values, or leave blank to enter manually.
Estimated payment: $2,363.23 / month
Down payment amount: $100,000.00
Estimated payment: $2,528.27 / month

How to Use This Calculator

This tool compares the net worth impact of multiple housing scenarios including keeping your home, selling and renting, selling and buying a new home, or renting out your current home while renting or buying. We factor in mortgage payoff, selling costs, rent increases, rental income, and investment growth to show which option leaves you financially ahead over your chosen time horizon.

If you do not currently own a home and are deciding whether to rent or buy, start with the Rent vs Buy Calculator.

Where the Data Comes From

  • Wealth Planner: Current home value, mortgage balance, property tax, insurance, and HOA inputs.
  • Account Profile: State, filing status, and cash available for investing.
  • Your assumptions: Rent, market returns, and appreciation rates are fully editable.

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