Real Estate Net Proceeds Calculator
Work out what you actually walk away with when selling a home — sale price minus agent commission, mortgage payoff, closing costs, concessions, and repairs.
How to Use
- Enter your expected sale price.
- Set the agent commission percentage (5-6% is typical, split between both agents).
- Enter your remaining mortgage payoff balance.
- Add other closing costs %, plus any buyer concessions and repair/staging spend.
- Read your net proceeds — the cash left after every selling cost.
Show Work
Notes
About the Real Estate Net Proceeds Calculator
The Real Estate Net Proceeds Calculator is a free tool for personal-finance and money decisions. It runs right in your web browser, so there is nothing to download. Work out what you actually walk away with when selling a home — sale price minus agent commission, mortgage payoff, closing costs, concessions, and repairs.
How it works
Type your numbers into the boxes. The answer shows up right away — you do not have to press a button. If you change a number, the answer changes too. So you can try different numbers and watch what happens, or check an answer you worked out yourself. Just make sure each box has the right kind of number in it.
Want the deeper story? The Knowledge Base explains the ideas behind the tools in more detail.
Frequently Asked Questions
What are net proceeds on a home sale?
Net proceeds are what's left after subtracting everything that comes out of the sale: the real estate commission, your remaining mortgage balance, closing costs, any concessions you give the buyer, and money spent on repairs or staging. It's the cash that actually reaches you at closing.
How much is the real estate commission?
Traditionally 5-6% of the sale price, historically split between the listing and buyer's agents. Commissions are negotiable and recent industry changes have made splits more flexible, so confirm the exact rate in your listing agreement.
What closing costs does a seller pay?
Sellers usually pay around 1-3% of the price beyond commission — title insurance, escrow or attorney fees, transfer taxes, prorated property taxes, and recording fees. This tool rolls those into the closing-costs percentage you enter.
Does this include capital gains tax?
No. If your gain exceeds the home-sale exclusion ($250k single / $500k married for a primary residence you've lived in 2 of the last 5 years), you may owe capital gains tax that isn't reflected here. This is an estimate of cash proceeds, not tax advice — check with a tax professional.
What if I owe more than the house is worth?
If the payoff plus selling costs exceeds the sale price, net proceeds go negative — you'd need to bring cash to closing or pursue a short sale. The calculator will show the shortfall so you can plan for it.
How do I use the Real Estate Net Proceeds Calculator?
Simply type your numbers and read the result, which refreshes the instant you change something. There is nothing to submit and nothing to wait for.
Is it free? Does it work without internet?
Yes to both. It is free with no sign-up, and once the page has loaded it keeps working even with no internet.
Where does my data go?
Nowhere — every calculation runs on your own device. Nothing you enter is uploaded, logged, or stored.
Common Use Cases
Planning a home sale
See your take-home cash before you list so there are no surprises at closing.
Funding the next down payment
Know how much equity you can roll into your next purchase.
Comparing offers
Net out competing offers with different concessions to see which truly nets more.
Deciding whether to sell
Check that proceeds clear your mortgage and costs before committing.
Setting a list price
Back into the sale price you need to hit a target net amount.
Last updated: