Hold vs Sell Analysis

Compare total wealth outcomes from holding versus selling now

Property & Projections

Enter current property and growth assumptions

Current Property Value *

Current Loan Balance

Current Annual Cash Flow (After Debt)

Expected Annual Appreciation (%)

Expected Annual Cash Flow Growth (%)

Hold Period (years) *

Selling Costs (%)

Hold is Favored By

$152,919

Total Wealth (Hold)

$322,919

Total Wealth (Sell Now)

$170,000

Projected Value at Hold End

$579,637

Detailed Breakdown

Cumulative Cash Flow During Hold$78,061

Net Sale Proceeds at Hold End$244,859

Net Proceeds if Sell Now$170,000

Recommendation

HOLD

Holding for 5 years is projected to generate $152,919 more wealth than selling now.

Sensitivity Analysis

Appreciation Rate

0.0%

-1%0%1%

Capital Gains Rate

0.0%

-5%0%5%

Export Results

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Hold vs Sell Analysis Results
Generated: 12/16/2025, 3:57:40 PM

INPUTS:
  Current Value: 500000
  Loan Balance: 300000
  Annual Cash Flow: 15000
  Appreciation Rate: 3
  Cash Flow Growth: 2
  Hold Period: 5
  Selling Costs: 6
  Cap Gains Rate: 

RESULTS:
  Projected Value: 579,637.04
  Cumulative Cash Flow: 78,060.60
  Net Sale Proceeds: 244,858.81
  Hold Total Wealth: 322,919.42
  Sell Now Total Wealth: 170,000.00
  Difference: 152,919.42
  Decision: hold

ASSUMPTIONS:
  • Appreciation and cash flow growth are compounded annually
  • Selling costs are applied as a percentage of sale price
  • Capital gains tax applies only if gain is positive
  • Loan payoff is assumed to remain constant (no principal reduction)
  • Cash flows are received at the end of each year

DISCLAIMER:
This calculation is for informational purposes only and does not constitute financial, legal, or tax advice.

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Hold vs Sell Analysis

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Hold vs Sell Analysis

Advanced Options

Recommendation

Export Results

Assumptions

Disclaimer