Sell vs. Keep Calculator

Property Info

Current Market Value

Remaining Mortgage Balance

Annual Appreciation Rate

Philadelphia avg ~3–4%/yr

Years to Analyze

If You Sell

Agent Commission

Typically 5–6%

Closing Costs (Seller)

Capital Gains Tax Rate

Long-term: 0%, 15%, or 20%

Original Purchase Price

For cap gains calculation

Reinvestment Return Rate

If you invest the proceeds

If You Keep (Rental)

Monthly Gross Rent

Monthly Operating Expenses

Tax, insurance, maintenance

Monthly Mortgage Payment

Vacancy Rate

Typical: 5–8%

Annual Rent Growth Rate

— — —

Our Verdict

Net Proceeds if You Sell Now

—

After commission, closing costs & taxes

Monthly Cash Flow (Keep)

—

After mortgage & expenses

Annual Cash-on-Cash Return

—

Based on current equity

Current Equity

—

Market value minus mortgage

Year-by-Year Comparison

Year	Keep: Total Wealth	Sell & Reinvest	Difference

Not financial advice — just someone doing a lot of research and asking a lot of questions.
Consult a CPA or financial advisor before making any decisions. · pinotnoirmom.com