For homeowners with gains above the $250K/$500K primary residence exclusion. Model your taxable gain, compare a straight sale vs. installment sale, and find the optimal structure to minimize your year-of-sale tax burden.
Your home & gain details
Analyze gains above the primary residence exclusion threshold.
Installment sale option
20%
5%50%
Total Capital Gains Tax — Cash Sale
—
On your taxable gain after exclusion
Total gain on sale
—
Before exclusion
Primary residence exclusion
—
Tax-free amount
Taxable gain
—
Above exclusion threshold
Tax saved via installment sale
—
Year-of-sale tax reduction
Cash Sale vs. Installment Sale — Year of Sale
Total taxable gain
—
Cash sale — tax paid at close
—
Cash sale — net at close
—
Installment — down payment
—
Installment — year 1 tax only
—
Installment — net at close
—
Tax deferred to future years
—
Model the full seller finance picture. See monthly income, total interest earned, and full net proceeds comparison.