Keep vs. Sell Analysis
Compare holding against selling based on opportunity cost.
How the Keep vs. Sell Analysis Works
The analysis calculates your net sale proceeds today — accounting for selling costs, mortgage payoff, depreciation recapture, and capital gains tax — then projects where that money grows over 5 years if reinvested at your alternative return rate. It compares that path to the cumulative wealth from keeping the property.
- Net sale proceeds: sale price minus costs, mortgage, recapture tax, and capital gains
- Keep path: cumulative cash flow + appreciation + equity paydown over 5 years
- Sell & reinvest path: net proceeds compounded at your alternative return rate
- Side-by-side 5-year wealth chart with the winning path highlighted
Why This Decision Is Harder Than It Looks
Selling a property that feels "fine" and reinvesting the equity elsewhere can dramatically accelerate wealth — but only if the numbers support it. The Keep vs. Sell analysis does the math you would never do manually and shows the true cost of holding a mediocre property.
- Quantify the cost of keeping a break-even property vs. redeploying the equity
- See exactly how much tax drag reduces your net proceeds on a sale
- Make the keep/sell decision based on 5-year wealth, not just today's cash flow
Sample Output
See what this feature calculates for you.
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