What will selling your rental property actually cost in taxes?

Most owners don't model the full picture until it's too late — depreciation recapture, NIIT, state taxes stacked on top of capital gains. An installment sale under IRC §453 can cut that bill significantly. See your numbers below.

Calculate Your Tax Savings Based on 2026 projected federal and state tax law

Enter your numbers

Purchase price, current value, years owned, filing status, and state. Takes thirty seconds.

See the comparison

Side-by-side tax breakdown: what you'd owe selling outright versus structuring an installment sale under §453.

Know your options

Understand where the savings come from. Talk to a CPA who specializes in installment sales for your state.

Run Your Numbers

Pre-filled with an example — adjust any field to see your scenario.

Your Property

Original Purchase Price

Sale Price (Current Value)

Years Owned

15 yrs

Your Tax Situation

Filing Status

Other Annual Income

State

Installment Terms

Installment Period

10 yrs

Your Tax Comparison

Incremental tax on the gain only — your base income tax is excluded.

Total Gain —

Adjusted Basis —

Depreciation Recapture —

Capital Appreciation —

Ready to keep more of what you've built?

We connect rental property sellers with CPAs and buyers who specialize in §453 installment sales.