Keep or sell the house?

Net worth over time: keeping (equity + rent − costs) vs. selling (invest the proceeds).

● Keep & rent● Sell & invest

Show in today's dollars (inflation-adjusted)

Home annual appreciation

USD inflation

LA rent per month (today)

Years

Home value now ($)

Loan balance ($)

Total monthly cost ($)

Principal part of that ($/mo)

Cost growth %/yr

Dutch house appreciation % (return on proceeds)

Selling costs % (LA)

Your Dutch rent if you keep ($/mo)

Dutch ownership costs ($/mo, no mortgage)

Dutch buying costs % (one-time)

Dutch home price ($)

Dutch mortgage rate %

Mortgage term (years)

Return on cash & savings %

Placeholder defaults — edit to your real numbers. Keep: you also pay Dutch rent (grows with inflation). Sell: proceeds fund a Dutch home; any shortfall is borrowed on an annuity mortgage (principal reduces the loan, interest is a cost) and any surplus earns the savings return. Ownership costs (property tax, insurance, upkeep; exclude mortgage) grow with inflation; no Dutch rent. Mortgage interest deduction and Dutch selling costs are not modeled. Dollar/euro exchange rate is not modeled. Keep-case net worth is shown net of selling costs, so both lines are comparable. Surplus/deficit cash flow compounds at the savings return. Taxes (capital gains, rental income, foreign-resident rules) are not modeled.

Sell or Keep

About this game

Comments

Game facts