Investing

Real Estate Rental Opportunity Cost Calculator

Compare keeping a rental property against selling it today and investing the net equity in a model portfolio over your horizon.

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How to use

Enter property today: value, mortgage, payment, original purchase context.
Enter year-1 carrying costs (taxes, insurance, maintenance) and one-time expenses.
Set rental assumptions (rent, vacancy, growth) and the sell-and-invest portfolio.
Compare property wealth (equity + reinvested cashflows) to the sell-and-invest portfolio at horizon.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Selling costs default to 6% of value; net equity today = value − selling costs − mortgage − one-time expenses (floored at zero).
Rent and property value grow at the rates you specify; carrying costs grow with the rent rate.
Mortgage P&I payment is fixed; interest vs. principal split is computed from the entered rate and balance.
Taxes are not modeled — values are pre-tax, nominal dollars.