Sell or rent property? Compare two scenarios
Calculate sales proceeds and rental surplus separately. Change your own costs, remaining debt, loss of rent and period – free of charge and without registration.
Your two scenarios
Edit the example values. Free to use. This tool does not send your entries to the server. An imported price assumption may remain in your browser history.
Add loan settlement costs and your share
Enter only additional costs not already included in the sale costs. Do not enter other people's names or data. Shares are your own assumptions, not a legal allocation.
Our own calculation
- Sale: Proceeds after costs and remaining debt
- 290.000 €
- Rental: annual liquidity before taxes
- 4.680 €
- Rental: ongoing liquidity over the period
- 46.800 €
- Sale: assumed final amount with alternative interest rate
- 353.508 €
- Selling price (€)
- 400.000,00 €
- Total own selling costs (€)
- 10.000,00 €
- Additional early repayment charge (€)
- 0,00 €
- Additional land-charge discharge costs (€)
- 0,00 €
- Remaining debt upon sale (€)
- 100.000,00 €
- Sale: Proceeds after costs and remaining debt
- 290.000,00 €
- Your assumed share
- 145.000,00 €
- Assumed remaining share
- 145.000,00 €
No overall asset comparison: property value at the end, remaining debt, taxes, changes in value and reinvestment of rents are missing. The property remains in the rental scenario. Negative amounts are a financing requirement, not an investment balance.
What are you comparing here?
A sale makes tied capital available; Renting maintains ownership and provides ongoing income with responsibility and costs. The calculator shows liquidity, not an automatic recommendation. The observation period is your assumption. The result is neither a property valuation nor a forecast.
Calculate sales proceeds
Sales price minus your own selling costs minus remaining debt results in the calculated revenue. Your costs may include, for example, documents, agreed services or a specific early repayment penalty. DDORF does not charge any fees. Taxes are not included. Example: 400.000 € minus 10.000 € costs minus 100.000 € remaining debt results in 290.000 €.
Rental: What remains available annually?
Twelve months' base rent minus assumed rent loss, owner costs and debt service give the annual cash flow before tax. With €1,200 monthly base rent, 5% rent loss, €3,000 costs and €6,000 debt service, it is €4,680. Repayment reduces cash flow but pays down debt. It is therefore not an expense in the same sense as interest.
Why is there no winner?
The letting scenario does not include the property’s eventual value or outstanding debt; the sale scenario includes only the assumed amount invested. Do not compare these figures directly as total wealth. Also check condition, repairs, financing, taxes and your willingness to manage the property. The alternative investment rate is an adjustable assumption, not a promised return.
Sell rented
A sale does not automatically end an existing rental agreement. According to § 566 BGB, the purchaser enters into the rental agreement under the legal requirements. A possible right of first refusal according to § 577 BGB depends on further requirements. Check the contract, usage and individual case before agreeing to free availability.
Related tools and background information
Data sources
Official source · Our own calculation · Our own analysis · DDORF estimate → Methodology
- Our own calculationOur own calculationBased on your input; no publication or individual case review.
- Official source§ 566 BGBA sale does not end the tenancyView source(opens new window)