Sell Your Home Calculator

If you’re preparing to sell your house, one of the most important questions is: “How much money will I walk away with?” While your home’s sale price may look great on paper, the final number in your pocket can look very different after deducting mortgage balances, agent fees, closing costs, and repairs. That’s why we built this Home Sale Calculator — a free, simple tool designed to help you estimate your net proceeds from selling a home.

This calculator gives you a realistic picture of what to expect by providing a detailed breakdown of costs and your final net amount. Whether you’re planning a move, buying another home, or just assessing your equity, this tool can help you make more informed financial decisions.

🧮 What Does the Home Sale Calculator Do?

This calculator estimates how much money you’ll have left after selling your home by factoring in:

  • Your expected sale price
  • Remaining mortgage balance
  • Agent commission fees
  • Closing costs
  • Repairs and prep expenses

It then subtracts these costs from the sale price to show your estimated net proceeds — the money you actually keep after the transaction.

🔧 How to Use the Home Sale Calculator (Step-by-Step)

Using the calculator is quick and straightforward:

  1. Enter the Home Sale Price ($):
    Input the price you expect your home to sell for.
  2. Enter the Remaining Mortgage ($):
    Add the amount you still owe on your mortgage — this will be paid off at closing.
  3. Set the Agent Commission (%):
    The default is 6%, which is standard in many markets, but you can adjust this if your agent charges a different rate.
  4. Enter Other Closing Costs ($):
    These may include title fees, escrow charges, attorney fees, and taxes.
  5. Input Repairs & Prep Costs ($):
    Include any money you’ve spent or plan to spend on home improvements or staging.
  6. Click “Calculate”:
    The calculator instantly shows your estimated net proceeds and a detailed cost breakdown.
  7. Use “Reset” to Clear Fields:
    You can start over anytime to run a new scenario.

💡 Example Scenario: What Will You Walk Away With?

Let’s run through a practical example.

Inputs:

  • Home Sale Price: $500,000
  • Remaining Mortgage: $310,000
  • Agent Commission: 6%
  • Closing Costs: $5,000
  • Repairs & Prep: $4,000

Result:

  • Agent Commission: $30,000
  • Total Costs: $349,000
  • Estimated Net Proceeds: $151,000

That’s the actual amount you’d likely walk away with after the sale — a crucial number for budgeting your next move, buying a new home, or investing.

🏘️ Why Use a Net Proceeds Calculator?

Selling a home is one of the biggest financial transactions in your life. This calculator helps you:

  • ✅ Understand your bottom line
  • ✅ Set realistic expectations
  • ✅ Plan your next purchase wisely
  • ✅ Compare selling with and without an agent
  • ✅ Prepare for closing and negotiation

It’s a smart move for anyone selling a home — especially first-time sellers, investors, or homeowners relocating to a new city.

🔍 Common Use Cases

Here’s how different users benefit from this tool:

  • Homeowners planning a move who want to know how much equity they’ll cash out.
  • Realtors helping clients evaluate offers.
  • Investors running ROI analysis on fix-and-flip properties.
  • Sellers deciding whether to renovate before listing.
  • FSBO (For Sale By Owner) sellers estimating savings without an agent.

❓ Frequently Asked Questions (FAQs)

1. What are net proceeds?

Net proceeds are the final amount you take home after paying off your mortgage, agent fees, closing costs, and repair expenses.

2. What’s the average real estate commission?

Typically 5%–6% of the home sale price, split between the buyer’s and seller’s agents. The calculator defaults to 6%.

3. What do closing costs include?

Title insurance, escrow fees, transfer taxes, attorney fees (if applicable), and recording fees.

4. Can I use this calculator if I’m not using a real estate agent?

Yes. Set the agent commission to 0% to simulate a FSBO (For Sale By Owner) sale.

5. How accurate is the calculator?

It provides an accurate estimate based on your inputs. However, actual results may vary depending on market conditions and negotiations.

6. Should I include buyer credits or incentives?

Yes. If you’re offering concessions to the buyer (like covering their closing costs), add those to the “Closing Costs” input.

7. Does this calculator include capital gains taxes?

No. It doesn’t account for taxes. You may owe capital gains tax unless you meet IRS exemptions (like living in the home 2 of the past 5 years).

8. Can I include staging costs or landscaping?

Yes. Add those under “Repairs & Prep Costs.”

9. How do I find out my current mortgage balance?

Check your most recent mortgage statement or contact your lender for a payoff amount.

10. Are there any hidden fees when selling a home?

There can be! Things like HOA transfer fees or home warranty coverage should also be added under “Closing Costs.”

11. Can this be used for investment properties or rentals?

Yes — as long as you know your sale price and costs, it works for any type of property.

12. Can I use this to plan a future sale?

Absolutely. Enter estimated values based on future projections or listing targets.

13. How can I lower my closing costs?

Shop around for title companies and negotiate with your agent. You can also ask buyers to cover some fees.

14. What if I’m upside down on my mortgage?

If your mortgage is greater than your home value, your net proceeds will show as negative — indicating a potential short sale.

15. Do I have to include repair costs?

You don’t have to, but it’s recommended for accuracy. Even minor touch-ups can cost hundreds or thousands.

16. Is this tool free to use?

Yes! You can use it as many times as needed, with no sign-up or cost required.

17. Will this calculator work for a home under contract?

Yes — use the agreed sale price and any updated cost estimates from your escrow agent or realtor.

18. Does this calculate agent commissions automatically?

Yes — you just enter the percentage, and it calculates the dollar amount for you.

19. What happens if I underprice or overprice my home?

The tool doesn’t predict market value — only your expected net proceeds based on the price you input.

20. Can I export the results?

Currently, the calculator displays results on the page. For saving or sharing, take a screenshot or manually record the numbers.

📌 Final Thoughts

Selling your home is a major financial milestone, and knowing what you’ll actually earn is essential for smart planning. The Home Sale Calculator takes the guesswork out of that equation by giving you an instant, transparent look at your potential net proceeds — factoring in all the most common costs.

Whether you’re a first-time seller, moving up to a bigger home, or cashing in on an investment, this tool helps you understand your real profit — not just the listing price. Give it a try and take control of your home-selling journey today!