⚠️
Please fill in all required fields
Years Since Purchase:
4 years
Total Housing Cost (Buy):
$126,504
Total Housing Cost (Rent):
$89,424
⚠️
Please fill in all required fields
Estimated Sale Proceeds:
$180,000
Monthly Savings (Keep vs Rent):
$1,000/mo
💡 What Could You Do With The Money?
Based on your net proceeds of $0, here's what each investment strategy could yield:
~10% avg annual return
$0
Projected value in 10 years
- Historically best long-term returns
- Very low fees (0.03-0.1%)
- Highly liquid - sell anytime
- Diversified across 500 companies
Medium Risk
Volatile short-term
~8% avg + dividends
$0
Projected value in 10 years
- Passive income stream
- Quarterly dividend payments
- Lower volatility than growth stocks
- Inflation-beating income
Medium Risk
Steady income focus
~7% avg + dividends
$0
Projected value in 10 years
- Stay invested in real estate
- No property management hassles
- High dividend yields (3-5%)
- Diversified property portfolio
Medium Risk
Real estate exposure
~5% avg annual return
$0
Projected value in 10 years
- Capital preservation
- Predictable income
- Lower volatility
- Good for near-term needs
Low Risk
Stable but lower returns
~4.5% APY (current)
$0
Projected value in 10 years
- FDIC insured up to $250k
- Zero risk to principal
- Instant access to funds
- No market volatility
Very Low Risk
May not beat inflation
~7.5% avg (60/40 mix)
$0
Projected value in 10 years
- 60% stocks, 40% bonds
- Balanced risk/reward
- Automatic rebalancing
- Smoother ride than 100% stocks
Low-Medium Risk
Best of both worlds
💡 Click any option to use its return rate in the calculator above. The "Balanced Portfolio" is pre-selected as a sensible default.
Generating your PDF report...
📋 What This Means For You
🏠 Keep House
$0
per month
VS
💰 Sell & Rent
$0
per month (Year 1)
You'd save
$0/mo
by selling
⏱️ Break-Even Analysis
🏠 Keep House Leads
💰 Sell & Invest Leads
If You Keep The House
$0
Projected equity in 10 years
If You Sell & Invest
$0
Projected portfolio in 10 years
Net Proceeds From Sale
$0
After paying mortgage & fees
Monthly Cash Flow Change
$0
Rent vs current home costs
Net Worth Projection: Keep vs Sell
Monthly Housing Costs Over Time
🎯 What If Scenarios
How would different market conditions affect your decision?
📊 Year-by-Year Breakdown
| Year |
Home Equity |
Portfolio Value |
Difference |
Better Option |
Detailed Projection Breakdown
🏠 Keep The House
Current Home Value
$0
Projected Home Value
$0
Total Housing Costs
$0
Principal Paid Down
$0
Remaining Mortgage
$0
NET WORTH (Keep)
$0
💰 Sell & Invest
Sale Price (after costs)
$0
Initial Investment
$0
Total Rent Paid
$0
Monthly Savings Invested
$0
Investment Gains
$0
NET WORTH (Sell)
$0
⚠️ Assumptions & Notes
- Capital gains tax on home sale not included (may apply if gains > $250k/$500k)
- Investment returns are before taxes
- Rent increases annually at the specified rate
- Home appreciation is calculated annually
- Does not include moving costs
- Assumes you can invest the full proceeds
✅ If You Decide to Sell - Next Steps
-
Get a professional home valuation
Get 2-3 real estate agents to give you a CMA (Comparative Market Analysis)
-
Calculate your actual equity
Request a mortgage payoff statement from your lender
-
Understand tax implications
Consult a tax professional about capital gains exclusion ($250k single / $500k married)
-
Research rental options
Find comparable rentals in your desired area to confirm rent estimates
-
Open investment accounts
Set up brokerage account (Fidelity, Vanguard, Schwab) before closing
-
Keep 6-month emergency fund
Don't invest ALL proceeds - keep 6 months of expenses in savings
-
Consider dollar-cost averaging
Instead of investing all at once, spread it over 6-12 months to reduce timing risk