Sell vs Rent Calculator — Outdoor Financial Freedom

Required Inputs

Date of Home Sale Home Sale Price ($)

Remaining Loan Balance ($) Current Mortgage Rate (%) Loan End Date Monthly P&I Payment ($) Monthly Taxes & Insurance ($) Monthly HOA Payment ($)

Estimated Monthly Rent ($)

Step 2: Optional Inputs (Advanced)

Seller Closing Costs (% of Price) Original Purchase Price ($ for Tax Basis)

Repairs & Maint (%) CapEx (%) Vacancy (%) Prop Mgmt Fee (%)

Landlord Utilities ($/mo) Other Monthly Expenses ($/mo)

Filing Status Primary Residence ≥ 2 of last 5 yrs? Capital Gains Tax Rate (%) Rental Income Tax Rate (%)

Annual Stock Return (%) Inflation Rate (%)

Review the comparison below.

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Net Worth Projection (30 Years)

Sell (Stock Growth) vs Rent (Equity + Cash Flow)

Year	Winner	Sell Net Worth	Rent Net Worth	Diff ($)

Calculation Appendix (QC Data)

Monthly breakdown matching Excel Appendix Logic.

Month	Home Value	Loan Bal	Rent CF (Net)	Sell Port. Bal	Rent Port. Bal	Sell NW	Rent NW