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P&L Calculator

Enter your details below to figure out how much you'll earn by buying or renting different houses

Configure the financial model

Interest rate:
2.5%
Loan amount:
$750,000
Loan length (years):
30
Recalculate loan schedule

Total tax rate w/ LT cap gains:
35%
Marginal tax rate:
45%
Property tax rate
1.18%
Years to sell:
6
Annual rate of return on investment:
4%
to
10%
Marital status for tax purposes
single
Primary home?
Cap gains exclusion
250000

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Compare listings
1
127 Buchanan st.
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,150,000.00
Downpayment
$400,000.00
growth/yr % (lo)
3%
growth/yr % (hi)
6%
Calculated monthly rental income
$0.00
Expected rent for similar quality
$3,000.00
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$108,701.15
BUY - Net gain after tax (hi)
$405,397.86
BUY - Net gain after tax (lo)
$249,471.69
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Profit on investment (hi)
$308,624.40
RENT - Profit on investment (lo)
$106,127.61
Net losses on rent
$178,200.00
RENT - Net gain after tax (lo)
$68,982.94
RENT - Net gain after tax (hi)
$200,605.86
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$204,792.00
Buy👍 vs Rent👎 net diff (hi-lo)
$336,414.92
Buy👎 vs Rent👍 net diff (lo-hi)
$48,865.83
Buy👎 vs Rent👎 net diff (lo-lo)
$180,488.74
Buy vs Rent avg
$192,640.37
707 lake merrit
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$795,000.00
Downpayment
$45,000.00
growth/yr % (lo)
2%
growth/yr % (hi)
7%
Calculated monthly rental income
$900.00
Expected rent for similar quality
$2,500.00
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$108,701.15
BUY - Net gain after tax (hi)
$373,414.68
BUY - Net gain after tax (lo)
$143,222.33
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
RENT - Profit on investment (hi)
$34,720.25
RENT - Profit on investment (lo)
$11,939.36
Net losses on rent
$148,500.00
RENT - Net gain after tax (lo)
$7,760.58
RENT - Net gain after tax (hi)
$22,568.16
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$350,846.52
Buy👍 vs Rent👎 net diff (hi-lo)
$365,654.10
Buy👎 vs Rent👍 net diff (lo-hi)
$120,654.17
Buy👎 vs Rent👎 net diff (lo-lo)
$135,461.75
Buy vs Rent avg
$243,154.14
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