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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:
3.5
Loan amount:
$905,000
Loan length (years):
30
Recalculate loan schedule

Total tax rate w/ LT cap gains:
35%
Marginal tax rate:
37%
Property tax rate
1.27%
Years to sell:
7
Annual rate of return on investment ETF:
6%
to
8%
Marital status for tax purposes
single
Primary home?
Cap gains exclusion
250000
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1
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127 Buchanan st.
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,150,000.00
Downpayment
$245,000.00
growth/yr % (lo)
2%
growth/yr % (hi)
5%
Calculated monthly rental income
$0.00
Expected rent for similar quality
$3,800.00
Monthly Payment
$5,850.94
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (hi)
$530,660.46
BUY - Net gain after tax (avg)
$454,650.26
BUY - Net gain after tax (lo)
$322,466.91
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
Total tax savings on rent expensed
$55,860.00
RENT - Net gain after tax (hi)
$317,610.15
RENT - Net gain after tax (avg)
$268,749.47
RENT - Net gain after tax (lo)
$284,136.76
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$213,050.30
Buy👍 vs Rent👎 net diff (hi-lo)
$246,523.70
Buy👎 vs Rent👍 net diff (lo-hi)
$4,856.76
Buy👎 vs Rent👎 net diff (lo-lo)
$38,330.16
Buy vs Rent avg
$185,900.79
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,200,000.00
Downpayment
$295,000.00
growth/yr % (lo)
1%
growth/yr % (hi)
4%
Calculated monthly rental income
0
Expected rent for similar quality
$4,500.00
Monthly Payment
$6,166.85
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (hi)
$475,504.37
BUY - Net gain after tax (avg)
$363,049.35
BUY - Net gain after tax (lo)
$230,181.89
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
Total tax savings on rent expensed
$66,150.00
RENT - Net gain after tax (hi)
$302,618.37
RENT - Net gain after tax (avg)
$256,174.37
RENT - Net gain after tax (lo)
$262,313.67
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$172,886.00
Buy👍 vs Rent👎 net diff (hi-lo)
$213,190.70
Buy👎 vs Rent👍 net diff (lo-hi)
-$72,436.48
Buy👎 vs Rent👎 net diff (lo-lo)
-$32,131.78
Buy vs Rent avg
$106,874.98
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,255,000.00
Downpayment
$350,000.00
growth/yr % (lo)
1%
growth/yr % (hi)
4%
Calculated monthly rental income
$440.00
Expected rent for similar quality
$4,500.00
Monthly Payment
$6,210.06
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (hi)
$514,504.27
BUY - Net gain after tax (avg)
$404,342.98
BUY - Net gain after tax (lo)
$265,385.76
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
Total tax savings on rent expensed
$66,150.00
RENT - Net gain after tax (hi)
$332,433.98
RENT - Net gain after tax (avg)
$281,460.56
RENT - Net gain after tax (lo)
$284,614.84
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$182,070.29
Buy👍 vs Rent👎 net diff (hi-lo)
$229,889.43
Buy👎 vs Rent👍 net diff (lo-hi)
-$67,048.21
Buy👎 vs Rent👎 net diff (lo-lo)
-$19,229.08
Buy vs Rent avg
$122,882.42
45 Bartlett #501
SPECS
⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️⚙️
Buying price
$1,255,000.00
Downpayment
$350,000.00
growth/yr % (lo)
0%
growth/yr % (hi)
4%
Calculated monthly rental income
0
Expected rent for similar quality
$4,500.00
Monthly Payment
$6,255.06
BUY HOUSE OUTCOMES
🏡🏡🏡🏡🏡🏡🏡🏡🏡🏡
Equity built
$135,346.02
BUY - Net gain after tax (hi)
$491,219.47
BUY - Net gain after tax (avg)
$333,368.08
BUY - Net gain after tax (lo)
$156,097.59
RENT AND INVEST OUTCOMES
💰💰💰💰💰💰💰💰💰💰💰
Total tax savings on rent expensed
$66,150.00
RENT - Net gain after tax (hi)
$336,908.52
RENT - Net gain after tax (avg)
$285,240.56
RENT - Net gain after tax (lo)
$289,089.39
SCENARIO MODELING
🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑🤑
Buy👍 vs Rent👍 net diff (hi-hi)
$154,310.95
Buy👍 vs Rent👎 net diff (hi-lo)
$202,130.09
Buy👎 vs Rent👍 net diff (lo-hi)
-$180,810.93
Buy👎 vs Rent👎 net diff (lo-lo)
-$132,991.80
Buy vs Rent avg
$48,127.52




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