Real Estate Rental Opportunity Cost Calculator
Compare keeping a rental vs. selling and investing
A simplified 20-year (adjustable) projection of property equity, rental cash flows, and the opportunity cost of investing the same capital in a model portfolio.
1) Property basics
As-of today inputs (no tax modeling in v1).
Total price you paid for the property.
Total depreciation already claimed on your tax returns for this property (optional for now; used for context only in v1).
What the property would likely sell for today.
Outstanding loan balance today.
Current annual interest rate on your mortgage.
Exclude taxes and insurance; just the loan payment.
2) Annual property carrying costs
Assumed to grow with rent growth rate in v1.
Ongoing repairs, upkeep, landscaping, etc.
Major upfront work, catch-up repairs, or transaction costs you are treating as an initial out-of-pocket.
3) Rental income assumptions
Vacancy reduces effective rent.
What you collect when the unit is occupied.
Percent of the year you expect the property not to be rented (e.g., 5–10%).
4) Market & growth assumptions
These drive the long-term outcomes.
Default reflects long-term average U.S. home price growth. Adjust for your market.
Expected average annual increase in rent over the next 20 years.
5–30 years.
5) Portfolio comparison
Compare against Balanced Portfolio (expected 7%/yr).
Reinvest Net Rental Cash Flows into Portfolio?
If enabled, we assume all positive net cashflows from the property are invested into the chosen portfolio each year.
Heads up
- Monthly principal & interest payment is $0. If the loan is active, projections may understate debt service.
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