Retirement Home Sale Calculator

Compare keeping your home, buying another home, renting, or investing the sale proceeds.Educational estimates only—not tax, legal, investment, Medicare, Medicaid, or real-estate advice. See the home-sale guide.

How would you like to start?

Use the calculator independently, or prefill compatible information from one of your saved retirement plans.

1. Current home and sale

Start with the property value, basis, debt, and transaction costs. Fields with no cost can stay at zero.

Current estimated home value

Original purchase price

Documented capital improvements

Remaining mortgage balance

Real-estate commission (%)

Additional basis and sale costs

Purchase closing costs added to basis

Depreciation subject to recapture

Other liens or home-equity loans

Other seller closing costs

Repairs or seller concessions

Moving costs

Current annual housing costs

Annual property tax

Annual homeowners insurance

Annual HOA cost

Annual maintenance and repairs

Annual property utilities

2. Tax and Medicare assumptions

Tax year

Tax filing status

Use the status expected on the sale-year federal return. Being married does not always mean filing jointly.

Qualifies for full exclusion

Custom exclusion assumption ($)

Advanced override; the result preserves the official value.

Federal capital-gain rate (%)

Depreciation recapture rate (%)

State tax estimate (%)

MAGI before sale ($)

3. Replacement housing

Scenario

Replacement-home price

Buyer closing costs

Down payment

New mortgage amount

Mortgage interest rate (%)

Mortgage term (years)

Replacement-home annual costs

Annual property tax

Annual homeowners insurance

Annual HOA cost

Annual maintenance

Annual utilities

4. Investment projection

Expected return (%)

Inflation (%)

Withdrawal rate (%)

Projection years