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

Married filing jointlySingle

What It Is Worth (Optional)

What you paid

What it is worth today

This is a rough gain

Improvements you paid for and the costs of selling both lower the real gain. Depreciation you claimed while renting is taxed at up to 25% when you sell, exclusion or not.

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.

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

Track the old home's value, rent, and equity month by month
Model selling now against holding through the deadline
Get told what to do next, before you think to ask