About Sell or Stay

Sell or Stay is a free financial decision tool that helps homeowners compare two paths: selling their home now, or waiting. Instead of relying on gut feel or a single asking price, you enter a few details about your home, your mortgage, and your assumptions about the market, and the tool builds a side-by-side estimate of what you might walk away with under each choice, including a cash-purchase scenario for your next home.

It is built for homeowners sitting on meaningful equity who are weighing a move, whether because of a life change, a relocation, downsizing, or simply a sense that the timing might be right. It is especially useful for people holding a low mortgage rate who want an honest read on what that rate is actually worth to them, and what they would give up, or gain, by letting it go. The tone is deliberately low-pressure: the tool is meant to inform a personal decision, not to push anyone toward listing.

Sell or Stay is built and maintained by Manny Menezes, Broker of Record with Innovate Real Estate, licensed in Massachusetts, Rhode Island, Connecticut, and New Hampshire. Manny works with sellers and buyers across New England and created this tool to give homeowners a clear, numbers-first starting point, before any conversation with an agent. Every figure the tool produces is an estimate for discussion, not an appraisal, a binding offer, or tax advice.

Ready to see your own numbers? Run the comparison, then request a free, no-obligation review if you would like a personal read on what the results mean for your situation.