Finance

Seller Net Proceeds Calculator

What you actually walk away with at closing.

Enter your values

Sale price($)

Enter the sale price in $.

Agent commission(%)

Enter the agent commission in %.

Mortgage payoff($)

Enter the mortgage payoff in $.

Transfer tax and recording(% of price)

Enter the transfer tax and recording in % of price.

Title, attorney and other closing costs($)

Enter the title, attorney and other closing costs in $.

Repairs and concessions($)

Enter the repairs and concessions in $.

What you paid plus improvements($)

Enter the what you paid plus improvements in $.

Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.

Results

Net proceeds to you: $161,235.00
Total selling costs: $35,765.00
Costs as a share of price: 7.69%
Agent commission: $23,250.00
Mortgage payoff: $268,000.00
Gross gain over your basis: $135,000.00
Gain after selling costs: $99,235.00

Quick answer

Net proceeds = sale price − commission − loan payoff − transfer taxes − seller closing costs − concessions.

Net = price − commission − payoff − costs

At a glance

What it does	What you actually walk away with at closing.
Category	Finance
Inputs needed	Sale price, Agent commission, Mortgage payoff, Transfer tax and recording, Title, attorney and other closing costs, Repairs and concessions, What you paid plus improvements
Main output	Net proceeds to you
Formula	Net = price − commission − payoff − costs
Cost	Free — no sign-up, no download

How to use the Seller Net Proceeds Calculator

1Enter the expected sale price and agent commission.
2Enter your mortgage payoff figure from the lender, not the statement balance.
3Add transfer taxes, closing costs and any concessions you expect to give.

Inputs explained

Sale price($): Enter the sale price in $.
Agent commission(%): Enter the agent commission in %.
Mortgage payoff($): Enter the mortgage payoff in $.
Transfer tax and recording(% of price): Enter the transfer tax and recording in % of price.
Title, attorney and other closing costs($): Enter the title, attorney and other closing costs in $.
Repairs and concessions($): Enter the repairs and concessions in $.
What you paid plus improvements($): Enter the what you paid plus improvements in $.

Worked example

Using the values the calculator loads with:

Inputs

Sale price465000 $
Agent commission5 %
Mortgage payoff268000 $
Transfer tax and recording1.1 % of price
Title, attorney and other closing costs2400 $
Repairs and concessions5000 $
What you paid plus improvements330000 $

Results

Net proceeds to you$161,235.00
Total selling costs$35,765.00
Costs as a share of price7.69%
Agent commission$23,250.00
Mortgage payoff$268,000.00
Gross gain over your basis$135,000.00
Gain after selling costs$99,235.00

Frequently asked questions

Is my profit taxable?

In the US, single filers can exclude $250,000 of gain and married couples $500,000 on a primary residence owned and lived in for two of the last five years.

Why is payoff higher than my balance?

The payoff includes interest to the closing date plus any recording or statement fees, so it is usually a few hundred dollars above the last statement.

What do I need to enter into the Seller Net Proceeds Calculator?

Just 7 values: sale price, agent commission, mortgage payoff, transfer tax and recording, title, attorney and other closing costs, repairs and concessions, what you paid plus improvements. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.

How does the Seller Net Proceeds Calculator work out the answer?

Net proceeds = sale price − commission − loan payoff − transfer taxes − seller closing costs − concessions. It applies the formula Net = price − commission − payoff − costs and shows the working so you can check each step by hand.

Is the Seller Net Proceeds Calculator free, and do I need an account?

It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.

Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.