Sell vs Hold · Free tool

Should you sell now or keep the home?

Compare selling today against holding — proceeds, taxes, rent alternatives, ownership costs, and future equity.

Step 1 of 4
Step 1 · Property

Tell us about the property

Address is optional. If provided, it can prefill estimates that remain editable.

Step 2 · Costs & Tax

Selling costs and tax

If the primary-residence tests are met, the calculator first applies the estimated federal home-sale gain exclusion, then applies this rate only to gain above that exclusion. State tax, depreciation recapture, partial exclusions, and individual tax circumstances are not modeled.

Step 3 · Hold Scenario

If you keep the home

Mortgage principal is modeled as equity growth. Non-principal ownership costs are treated as true costs.

Property tax, insurance, HOA, maintenance, and other non-principal costs. Do not include mortgage principal and interest.
Step 4 · Review

Review your inputs

Check everything looks right, then generate your Sell vs Hold report.

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Generate your Sell vs Hold report
Net proceeds, hold projection, and rent alternative — delivered instantly.

When you run this analysis, Home Decision Lab may process and store your submitted inputs and calculated results to provide the report, support saving/reopening reports, improve our tools, and create aggregated, non-identifying insights. See our Privacy Policy.