Free tool

Should I Sell or Hold? Cashflow Calculator

Compare the ongoing cost of holding a property against the one-off cost of selling it today, on the same footing. Numbers only — this tool doesn't tell you what to do.

Your property & loan

If provided, we'll also show the gain or loss a sale today would realise.
Rates, insurance, management, maintenance.

Your result

Enter your numbers on the left and the comparison will appear here.

This calculator compares cashflow and a hypothetical sale using the numbers you enter — it excludes future capital growth, rent growth, interest rate changes, depreciation, and tax (including any tax benefit from a cashflow loss, and any bright-line tax on a gain from selling — see the bright-line calculator). It is general information only, not financial, tax, or investment advice, and does not tell you whether to sell or hold. Get advice specific to your situation from an accountant and a licensed financial adviser before making a decision.

A sale inside the bright-line window may trigger tax on any gain — not included in these numbers. Check with the bright-line calculator.

Talk to a mentor about this

Sell-or-hold is one of the biggest calls a property owner makes. A free strategy session puts an experienced investor across the table while you think it through.

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