LandlordGauge

Should I sell or keep my rental property calculator

Compare keeping a rental and selling later with selling now and investing, after capital gains tax on your share, using your own assumptions.

Your property and assumptions

Today's estimated sale value, not the original purchase price.

Balance held constant throughout this simplified projection.

Annual rent you expect to collect, allowing for empty periods.

Running costs and interest. Excludes principal repayments, sale costs and taxes.

Your assumption, from -100% to 100%. This is not a forecast.

Your assumed return on sale equity, before taxes and fees.

1 to 50 whole years. Keeping sells at the end of the period.

Your capital gains facts

For the whole property: the price paid plus costs of buying and improving it, such as solicitors’ fees or an extension. Exclude repairs and maintenance.

Format: DD/MM/YYYY

The date you bought it, from 1 April 1982. Selling now uses today’s date.

Enter 100 for sole ownership. Results show your share of each position, assuming the loan, rent and costs are shared the same way.

After your Personal Allowance and Income Tax reliefs, excluding the gain. Not gross salary or take-home pay.

Keep or sell after CGT

Example result

Keep: net position after CGT

£224,096.49Estimate for your 100% share, selling on 14 October 2031

Sell: net position after CGT

£155,466.34Estimate after investing for 5 years

Keeping for 5 years leaves an estimated £224,096.49 for your share after CGT; selling on 14 October 2026 and investing the rest gives £155,466.34.

Keep and sell later

Projected value
£347,782.22
Loan balance
£150,000
Rent less costs
£60,000
Before tax and sale costs
£257,782.22
Your 100% share
£257,782.22
CGT if kept
£33,685.73
Keep after CGT
£224,096.49

Sale on 14 October 2031: 2026/27 rates assumed for a later tax year. Gain on your share £147,782.22.

Sell now and invest

Value less loan
£150,000
Compounded before tax
£182,497.94
Your 100% share
£150,000
CGT if sold now
£22,218
Equity after CGT
£127,782
Sell after CGT
£155,466.34

Sale on 14 October 2026: 2026/27 rates. Gain on your share £100,000.

Keep less sell

After CGT
£68,630.15

Example figures.

Rates as of