Tools
Should I Sell, Rent or Stay? Guelph Calculator
Thinking about your next move? Compare selling, renting your home out, or staying put — in a few minutes, with your own numbers.
Start with the sample numbers, then change them to match your home. Results update as you type. Want to know what your home is worth first? Get a home value.
Sell
$407,340 cash in hand today
After mortgage payout, commission + HST and your other costs.
Rent it out
-$59/mo out of pocket
-$707 a year
Equity after 5 yrs: $637,969
Stay
$3,131/mo to keep living here
Equity after 5 yrs: $637,969
Where you'd stand
Sell = cash today. Rent and Stay = what you'd walk away with if you sold after 5 years, plus rental cash collected or minus the costs of staying.
Estimates only, based on the numbers and growth rate you enter. Not tax, legal or financial advice — income tax, capital gains on a rental, and mortgage penalties depend on your situation.
Email me this scenario
Want Carmen to look at your real numbers? Tick the box and she'll reach out. No pressure to book anything.
Common questions
Is renting out my Guelph home better than selling?
It depends on your rent, mortgage, costs and how long you plan to hold. Strong rent with a low mortgage can produce cash flow, but you take on vacancies, repairs and landlord duties. The calculator shows both side by side.
What does 'cash in hand' include?
Your home value minus the mortgage balance, commission plus 13% HST, and the legal, moving and other costs you enter. Mortgage penalties and taxes are not included.
Does the calculator include capital gains tax?
No. A home that becomes a rental can lose part of its principal-residence exemption. Talk to an accountant before deciding.
What growth rate should I use?
No one knows future prices. Try a few — for example 0%, 2% and 4% — to see how sensitive the answer is.
Can Carmen check my numbers?
Yes. Email yourself the scenario and tick the box for a personal analysis. Carmen will review it with real Guelph sales and rents.
Related: Realtor commission calculator · Investment property calculator · Home renovation calculator · Thinking of renting it out? Property management
Next step
Want a second opinion on your numbers?
Carmen can check your scenario against recent Guelph sales and rents — no obligation.