Seller Net Proceeds Calculator
What actually lands in your account after commission, payoff, taxes and fees. 100% free, no signup. Everything runs in your browser.
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The sale price of your home is not what lands in your bank account. This calculator does the subtraction the listing conversation tends to gloss over: agent commission (fully editable, and worth negotiating since the 2024 settlement changed how commissions work), the payoff on your remaining mortgage, transfer taxes, title and escrow fees, plus any repairs or concessions you agree to along the way. Out the other end come your estimated net proceeds and the effective cost of selling as a percentage of the price.
It all runs in your browser, nothing you enter is uploaded, and there is no signup. I made this after a friend was genuinely shocked at the gap between her sale price and her wire transfer. Nobody had walked her through the math beforehand, and it is not complicated math. It just needs to be laid out.
How to use
- Enter your expected sale price. Early in the process, use a realistic comp-based estimate rather than a hopeful one.
- Set the agent commission percentage. Type in whatever you have actually negotiated, including how any buyer agent compensation is handled.
- Enter your remaining mortgage balance, from your latest statement or a payoff quote from your servicer.
- Add transfer taxes and title or escrow fees for your area, or keep the rough defaults and refine them later.
- Include expected repairs, credits, or concessions from the inspection negotiation if you want a conservative number.
- Read your estimated net proceeds and the total cost of selling as a percentage of the sale price.
Why use our seller net proceeds calculator?
Commission is the biggest line for most sellers, and it is the one this calculator treats most carefully. Since the National Association of Realtors settlement took effect in 2024, commissions are explicitly negotiable and buyer agent compensation is no longer set through the listing. I default the field to a common figure, but I would genuinely rather you overwrite it with the number from your actual listing agreement, because a single percentage point on a 500,000 dollar sale is 5,000 dollars.
Your payoff is not quite your balance. It includes interest through the closing date and sometimes a small processing fee, which is why servicers issue formal payoff quotes. The calculator accepts either, but for a closing that is weeks away, add a little cushion. My amortization schedule shows how your balance declines month by month if you are timing a sale.
Transfer taxes range from nothing in some states to more than a percent of the price in others, and title customs differ county by county, so every line here is editable and every output is an estimate rather than financial advice. For the buyer's side of the same closing table, my closing costs estimator does the mirror-image math, and the Consumer Financial Protection Bureau at consumerfinance.gov is a good neutral reference for how payoffs and closings work.
Seeing the cost of selling as a single percentage is clarifying. Between commission, taxes, fees, and concessions, selling consumes a real slice of the price, and knowing your number feeds the bigger decision of whether to sell at all. If keeping the property as a rental is on the table, the rental yield calculator gives you the other side of that decision. Either way, your mortgage balance is nobody's business, and because the calculator runs locally in your browser, it stays that way.
Who is this tool for?
Deciding whether you can afford to move. Your net proceeds usually become the down payment on the next place, so run this before you fall for listings. If the proceeds come in lower than you hoped, you want to know while there is still time to adjust the plan.
Evaluating an offer with concessions. A 480,000 offer asking for 10,000 in credits and a 490,000 clean offer are closer than they look, and sometimes they invert once you account for timing. Enter both scenarios and compare the nets instead of the headlines.
Testing price sensitivity. Run your realistic price and a pessimistic one. If the pessimistic case leaves you unable to clear the mortgage and fees, you are in low-equity territory and need that information early, not at the closing table.
Weighing selling against staying. Sometimes the answer to needing cash is not selling. Compare your net proceeds against what a refinance or an equity line could free up while you keep the house.
Frequently asked questions
Commonly somewhere in the range of 6 to 10 percent of the sale price once commission, transfer taxes, title fees, and typical concessions are counted, but it varies a lot by state and by deal. The whole point of this calculator is to replace that vague range with your own line items.
Yes, and it always technically was, but the 2024 NAR settlement made it explicit. There is no standard rate, buyer agent compensation is negotiated separately now, and your listing agreement spells out exactly what you pay. Enter your negotiated figure, not folklore.
A formal statement from your servicer of the exact amount needed to close out the loan on a specific date, including accrued interest and any fees. Your closing agent orders one during the sale, but you can request one yourself to make this estimate accurate.
Many primary-residence sellers can exclude up to 250,000 dollars of gain, or 500,000 filing jointly, under current US rules if they meet the ownership and use tests. Investment properties work differently. Taxes are outside this calculator, and a real answer needs a tax professional.
Money you agree to credit the buyer, usually after the inspection, toward repairs or their closing costs. Concessions come straight out of your proceeds, which is why the calculator gives them a dedicated line instead of hiding them.
Yes. Set the commission to zero or to whatever you are offering a buyer's agent, and keep the rest. For-sale-by-owner sellers still pay title, escrow, and transfer taxes, and usually something toward marketing and legal review.
No. Everything is computed locally in your browser and nothing is transmitted or stored. Type your real mortgage balance with a clear conscience.