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Sell, rent it out, or keep?
Find the last closing date that keeps your home-sale exclusion, and see what each choice leaves you after estimated federal tax.
Example · made-up numbers
A married couple filing jointly who bought in June 2020, move out in January 2027 and rent the house
Last day to close and keep the exclusion: Monday, January 14, 2030
Their plan closes October 16, 2029, 90 days before that, because closings slip.
On that sale, the exclusion is worth an estimated $37,112 in federal tax.
Depreciation from the rental years is still taxed: about $7,100 on that sale.
The deadline uses the stricter of two IRS day counts, and depreciation is assumed claimed; tax professionals differ on both, so a real plan may differ. Check with a tax professional.
Same calculation the planner runs. Figures as of Nov 1, 2026.
Years after 2027 use the 2027 IRS figures, so they are estimates.
You enter your numbers and can change every assumption; no market data is pulled in.
Planning estimate using federal rules only — not tax advice. Confirm with a tax professional before you act.
Also included: Which loan offer is cheaper? Up to three Loan Estimates, or your current loan against new offers, compared over the years you'll keep the loan. Estimate, not a loan offer or financial advice.
Price: $29
Both tools, on your RooFork account.
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