Refinance vs Sell Calculator
Enter your home value, mortgage and rent details to compare selling versus refinancing.
Result
How to use
- Enter your values in the fields above.
- Press Calculate to see your result instantly.
- Use the Share button to copy a link to your result.
About this calculator
This calculator lines up two paths for a homeowner side by side: selling now — sale price minus selling costs and the remaining mortgage balance, giving net cash proceeds — versus refinancing and renting the property out, which trades that lump sum for an ongoing net rental cash flow (rent minus the new mortgage payment, taxes, insurance and maintenance).
Homeowners relocating for a job, and real estate investors deciding whether to convert a primary residence into a rental instead of cashing out, use this comparison to see whether the immediate lump sum from selling outweighs the cumulative cash flow and equity growth of holding and refinancing instead.
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