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Tax-Free Window Calculator

Moved out and kept the old house as a rental? You can still sell it with up to $500,000 of gain tax-free, but only for 3 years after you moved. Find the date, and what it is worth.
Learn: The 2-of-5-year rule and the 3-year window
What is the exclusion?
When you sell a home you owned and lived in for 2 of the last 5 years, the first $250,000 of gain is tax-free ($500,000 if married filing jointly). The IRS calls it the Section 121 exclusion.
Why 3 years?
The 5-year lookback runs backward from the day you sell. Move out, and each day that passes pushes one more day of living there out of the lookback. Exactly 3 years after you moved, only 2 years remain inside it. One day later, the exclusion is gone.
Deadline = Move-out date + 3 years
Your Dates
When did you buy it (and move in)?
When did you move out?
Not sure of the day? Pick the 1st of the month. That gives the earliest possible deadline.
Tax filing status
What It Is Worth (Optional)
What you paid
What it is worth today
Your Window
Enter your purchase and move-out dates to see your deadline
What Is At Stake
Dates first, then dollars
This is an estimate for planning, not tax advice. It assumes you lived in the home from the day you bought it until the day you moved out, and that you have not used the exclusion on another home in the last 2 years. Confirm your dates and figures with a tax professional before you act.

Is your home costing you more than it should?

Start with your address and find out where your mortgage, taxes and insurance cost more than they should. No account needed to look.

Keep or sell? See the whole picture, not just the deadline.

  • Track the old home's value est., rent, and equity month by month, free
  • Ask Chene whether to sell now or hold through the deadline, on your own numbers
  • With Portfolio+, Chene checks your home every month and tells you in the app what needs you