Selling Home Calculator

Selling your home is a big financial decision, and one of the most important questions on your mind is likely: How much money will I make from this sale? That’s exactly what our Home Sale Net Proceeds Calculator helps you figure out.

This easy-to-use online tool helps you estimate how much cash you’ll pocket after subtracting key expenses—like agent commissions, your remaining mortgage, closing costs, and repairs—from the sale price of your home. Whether you’re preparing to list or just evaluating your options, this calculator gives you a quick snapshot of your potential profit.

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

Using this tool is simple and only takes a few moments. Follow these easy steps:

  1. Enter the Home Sale Price ($):
    Input the price you expect to sell your home for. If you’re unsure, you can enter your current market estimate or use an online home value estimator as a guide.
  2. Enter the Remaining Mortgage Balance ($):
    This is the amount you still owe on your mortgage. It will be deducted from your sale proceeds.
  3. Enter the Agent Commission (%):
    The typical real estate agent commission is 5%–6%, but this number may vary. Enter the agreed-upon commission rate as a percentage.
  4. Enter Other Closing Costs ($):
    This may include attorney fees, title insurance, escrow fees, and other administrative expenses. Enter the total estimate here.
  5. Enter Repairs/Improvements ($):
    If you plan to make repairs or upgrades before selling, input those costs here.
  6. Click “Calculate”:
    Hit the Calculate button, and the tool will instantly display:
    • Agent commission in dollars
    • Total selling costs
    • Your estimated net proceeds
  7. Click “Reset” to start over:
    If you’d like to run a different scenario, click the Reset button to clear the form.

Practical Example

Let’s walk through a sample scenario.

  • Home Sale Price: $500,000
  • Remaining Mortgage: $250,000
  • Agent Commission: 6%
  • Closing Costs: $8,000
  • Repairs/Improvements: $5,000

Result:

  • Agent Commission: $30,000 (6% of $500,000)
  • Total Costs: $293,000 (including mortgage, commission, closing costs, and repairs)
  • Estimated Net Proceeds: $207,000

This is the amount you can expect to walk away with after selling your home.

Why This Calculator Matters

Selling a home comes with many moving parts. You may know the sale price, but without breaking down the expenses, it’s hard to grasp your real bottom line.

This calculator provides:

  • Clarity: Understand what you actually earn, not just the headline price.
  • Planning Power: Helps you prepare for your next move—whether buying a new home or investing.
  • Cost Awareness: Highlights the major expenses so you can reduce or negotiate where possible.
  • Scenario Testing: Play with numbers—what happens if you lower your asking price or negotiate a lower commission?

Ideal Use Cases

  • First-time sellers unsure how much profit they’ll make
  • Homeowners downsizing or relocating
  • Investors flipping properties
  • Dividing home proceeds in a divorce or estate sale
  • Preparing for tax filing or budgeting

Frequently Asked Questions (FAQs)

1. What are net proceeds from a home sale?

Net proceeds are the amount of money you receive after all selling costs and remaining debts (like your mortgage) are subtracted from your sale price.

2. Is the agent commission calculated automatically?

Yes, just enter the percentage (e.g., 6), and the tool calculates the dollar amount for you.

3. Do I have to enter values in all fields?

Yes. All fields are required to provide an accurate estimate. If something doesn’t apply to you (like repairs), enter 0.

4. What if I sell without a real estate agent?

Set the agent commission to 0% if you’re doing a For Sale By Owner (FSBO) transaction.

5. How accurate is this calculator?

The calculator gives an excellent estimate, but final figures may differ depending on real estate fees, taxes, and actual closing statements.

6. Can I include property taxes in this estimate?

This calculator doesn’t factor in prorated property taxes. You may want to include those manually in your closing costs estimate.

7. What are typical closing costs for sellers?

Closing costs usually range from 1%–3% of the sale price and include title fees, escrow fees, and attorney fees (depending on the state).

8. Are capital gains taxes included in the calculation?

No. This tool does not calculate taxes like capital gains. You should consult a tax professional if you expect a taxable gain.

9. Does this work for condos or townhomes?

Yes. As long as you know your expected sale price, mortgage balance, and other costs, the calculator applies to any residential property.

10. What about staging or marketing costs?

Include those under “Repairs/Improvements” or in your own external cost tracking if you want to factor them in.

11. Can I save or export the results?

Currently, this tool does not offer export features. You can copy the results manually or take a screenshot.

12. Why are repairs included in the sale cost?

Pre-sale repairs or improvements come out of your own pocket, so they reduce your final profit. That’s why they’re factored in.

13. Should I update the numbers once I receive an offer?

Yes! It’s a good idea to recalculate your net proceeds with the actual offer price and finalized cost figures.

14. How do I lower my selling costs?

Negotiate lower agent commissions, minimize repairs, or shop around for cheaper closing services to reduce costs.

15. Can this tool be used for estate planning?

Absolutely. If you’re estimating the value of a property for estate or inheritance reasons, this calculator is a handy tool.

16. Does it work on mobile devices?

Yes, the calculator is fully responsive and works on desktops, tablets, and smartphones.

17. What if I’m still paying property taxes or HOA fees?

These are not included in the calculator. Consider factoring them into your personal budgeting outside the tool.

18. What if my home is underwater (worth less than mortgage)?

If your remaining mortgage exceeds your home’s sale price, the calculator will show negative net proceeds—indicating a loss.

19. Is this tool suitable for real estate agents?

Definitely. Agents can use this with clients to help them estimate proceeds and make informed pricing decisions.

20. Do I need to create an account to use it?

No sign-up is required. The calculator is free to use and accessible directly on the page.

Start Calculating with Confidence

Selling your home doesn’t need to be a mystery. With our Home Sale Net Proceeds Calculator, you can take the guesswork out of your financial planning and focus on what matters most: your next chapter.

Give it a try today and gain clarity on what you’ll truly earn from your home sale.