Seller Proceeds Calculator

When selling your home, one of the most important questions is: “How much money will I walk away with?” Between agent commissions, loan balances, closing costs, and other fees, it can be difficult to know exactly what your take-home profit will be.

To help home sellers make informed decisions, we’ve created a Seller Proceeds Calculator — a simple, effective tool that lets you estimate your final payout after selling your property. Whether you’re planning your next real estate move or simply exploring your options, this tool provides valuable clarity in just a few clicks.

What Is the Seller Proceeds Calculator?

The Seller Proceeds Calculator is an online tool that helps homeowners determine how much money they’ll receive after selling their property. It factors in common costs associated with selling, including:

  • Real estate agent commission (as a percentage of the sale price)
  • Loan balance still owed on the mortgage
  • Estimated closing costs
  • Any additional miscellaneous fees

Once you input these figures, the calculator instantly provides a detailed breakdown of costs and your final net proceeds.

How to Use the Seller Proceeds Calculator (Step-by-Step)

Using the calculator is quick and straightforward. Here’s a breakdown of how to use it:

1. Enter the Sale Price

This is the amount your home will sell for. For example, if you’ve agreed to sell your house for $400,000, enter “400000”.

2. Input the Agent Commission Percentage

Enter the percentage that will go to the real estate agent. A typical commission is 5–6%, but this can vary. For example, enter “6” for 6%.

3. Enter Estimated Closing Costs

These include title fees, escrow charges, taxes, and transfer fees. They often range from 1–3% of the sale price. Enter your best estimate here.

4. Enter Remaining Loan Balance

If you still owe money on your mortgage, enter the balance remaining. The calculator will subtract this from your proceeds.

5. Add Other Fees (Optional)

If you expect other costs (like repair credits, staging fees, etc.), enter the total amount here. If there are none, you can leave this at “0”.

6. Click “Calculate”

The calculator will instantly generate your:

  • Total seller proceeds
  • Breakdown of each cost deducted from the sale price

7. Click “Reset” to Start Over

If you want to run a new scenario, just click the reset button to clear all fields.

Practical Example: How Much Will You Net From Your Home Sale?

Let’s walk through a sample scenario:

  • Sale Price: $500,000
  • Agent Commission: 5%
  • Closing Costs: $9,000
  • Remaining Loan Balance: $320,000
  • Other Fees: $2,000

The Calculator Shows:

  • Agent Commission: $25,000
  • Closing Costs: $9,000
  • Loan Payoff: $320,000
  • Other Fees: $2,000

➡️ Total Proceeds: $144,000

This example clearly shows what you’ll walk away with after paying all associated costs.

Why Use a Seller Proceeds Calculator?

Here’s why this tool is essential for anyone selling their home:

  • ✅ Plan Your Next Move with Confidence
    Know how much money you’ll have to put toward a new home or pay down debts.
  • ✅ Avoid Surprises at Closing
    Understand all deductions in advance so there are no last-minute shocks.
  • ✅ Compare Offers Easily
    Run different scenarios based on varying sale prices or commission rates.
  • ✅ Negotiate More Effectively
    If you’re offering concessions or credits to the buyer, understand how they impact your bottom line.

Real-World Use Cases

  • Homeowners Listing Their Property
    Use it to get a ballpark idea of your final earnings before committing to a sale.
  • Real Estate Agents Working With Sellers
    Help clients visualize their potential net gain and set realistic expectations.
  • Investors Flipping Houses
    Understand net margins after all fees and debts are repaid.
  • Sellers Considering FSBO (For Sale By Owner)
    Compare proceeds with and without agent commissions to see if it’s worth doing on your own.

15+ FAQs About Seller Proceeds and the Calculator

1. What are seller proceeds?
Seller proceeds are the final amount of money a homeowner receives after all costs and obligations are deducted from the home sale price.

2. Is the calculator accurate?
Yes, it uses simple math to subtract commissions, closing costs, loan balances, and other fees from the sale price. Results are as accurate as your input.

3. What are typical closing costs for sellers?
They usually range between 1% to 3% of the home’s sale price and may include title insurance, transfer taxes, attorney fees, and escrow charges.

4. Can I include repair costs or buyer credits in “Other Fees”?
Absolutely. “Other Fees” is for anything outside of standard commissions, loan balance, or closing costs.

5. What’s the average real estate agent commission?
It’s typically between 5% and 6%, though it can be negotiated. This is usually split between the buyer’s and seller’s agents.

6. What if I don’t have an outstanding loan?
Just enter “0” in the loan balance field. The calculator will exclude that cost from your total deductions.

7. Can I use this calculator for commercial properties?
Yes, as long as you have the same data (sale price, commissions, costs), it will work for residential or commercial property sales.

8. Should I calculate proceeds before listing my home?
Yes! Knowing your potential profit can guide your pricing strategy and financial planning for your next move.

9. Does this tool account for capital gains tax?
No. It only calculates transactional costs. You should consult a tax professional for capital gains and tax liabilities.

10. Can I use this if I’m selling without an agent?
Yes. If you’re not paying a commission, enter “0” in the agent commission field.

11. What are “Other Fees”?
These may include attorney fees, repair costs, staging costs, seller concessions, or HOA transfer fees.

12. Is this calculator mobile-friendly?
Yes, it’s designed to be responsive and works well on phones and tablets.

13. Can I run multiple scenarios?
Yes. Use the reset button to change sale prices, commissions, or fees to test different outcomes.

14. Do I need to sign up to use it?
No sign-up or email required. It’s completely free and ready to use.

15. Can this tool help during negotiations?
Yes. Understanding your bottom line can help you make smarter decisions when evaluating offers or concessions.

16. Does it work with international currencies?
It’s set to USD by default, but the math works with any currency. Just be consistent in your values.

17. Can I factor in prepayment penalties on my loan?
Yes. Include those in the “Other Fees” section to reflect them in your final net proceeds.

18. Will this show how much I’ll owe if I’m underwater on my mortgage?
Yes. If your loan balance and fees exceed the sale price, the calculator will show a negative value for proceeds.

19. Does the agent commission include both listing and buying agents?
Yes, the commission entered should be the total percentage agreed upon, usually split between both agents.

20. Can I print or save the results?
Yes, after calculating, you can screenshot or copy the results for your records or discussions with professionals.

Final Thoughts

Selling a home involves more than just finding a buyer — it’s about making smart financial decisions. With our Seller Proceeds Calculator, you gain clarity, confidence, and control over your sale. Whether you’re working with a real estate agent or going solo, this free tool helps ensure that you know exactly what you’re walking away with.

Try it today and take the guesswork out of your home sale!