Sell My Home Calculator
Selling a home is one of the biggest financial decisions you’ll ever make. While many homeowners focus on the selling price, the real question is: How much money will you actually walk away with?
That’s exactly why our Sell My Home Calculator exists.
This easy-to-use tool helps you estimate:
- Real estate commission
- Transfer taxes and fees
- Title and escrow costs
- Staging and preparation expenses
- Inspection and repair costs
- Loan payoff amount
- Final net proceeds
- Percentage of proceeds after costs
Instead of guessing your profit, you can calculate your true home sale proceeds in seconds.
Why You Need a Home Sale Proceeds Calculator
When you list your property, the sale price is only part of the equation. There are multiple expenses that reduce your final payout, including:
- Agent commission (often 5–6%)
- Closing costs
- Transfer taxes
- Mortgage payoff
- Repairs required by buyers
Without calculating these, you could overestimate your profit by thousands of dollars.
Our calculator gives you a clear financial picture before listing your home, helping you:
- Set realistic expectations
- Plan your next purchase
- Decide whether now is the right time to sell
- Budget moving costs
How to Use the Sell My Home Calculator
Using this tool is simple and takes less than a minute.
Step 1: Enter Your Home Selling Price
Input the expected sale price of your property.
Example: $450,000
Step 2: Add Your Outstanding Loan Balance
Enter the remaining balance on your mortgage.
Example: $250,000
Step 3: Enter Commission Rate (%)
Default is 6%, but you can adjust it based on your agreement.
Step 4: Add Transfer Taxes & Fees
Include local transfer taxes or seller-paid fees.
Step 5: Add Title & Escrow Fees
These are closing service costs.
Step 6: Include Staging & Preparation Costs
Professional staging, cleaning, landscaping, photography.
Step 7: Add Inspection & Repair Costs
Any anticipated repairs requested by buyers.
Step 8: Click “Calculate”
Instantly see:
- Total commission
- Total selling costs
- Loan payoff amount
- Net proceeds
- Percentage of proceeds after costs
If needed, use the reset button to start over.
Example: Home Sale Calculation
Let’s say:
- Selling Price: $500,000
- Loan Balance: $300,000
- Commission: 6%
- Transfer Tax: $5,000
- Title Fees: $3,000
- Staging: $2,000
- Repairs: $4,000
Commission Calculation:
6% of $500,000 = $30,000
Total Selling Costs:
$30,000 + $5,000 + $3,000 + $2,000 + $4,000 = $44,000
Net Proceeds:
$500,000 – $44,000 – $300,000 = $156,000
That means you walk away with approximately $156,000 before any additional personal expenses.
What Costs Does the Calculator Include?
Here’s a breakdown of each category:
1. Real Estate Commission
Typically 5%–6% of the sale price, split between listing and buyer agents.
2. Transfer Taxes
Local or state-imposed taxes when ownership changes.
3. Title & Escrow Fees
Administrative costs for handling the transaction securely.
4. Staging & Preparation
Professional cleaning, painting, landscaping, and home staging.
5. Inspection & Repairs
Fixing issues uncovered during buyer inspections.
6. Loan Payoff
Remaining mortgage balance paid at closing.
Benefits of Using Our Sell My Home Calculator
✔ Instant Results
No spreadsheets or complicated formulas.
✔ Accurate Financial Planning
Know your bottom line before accepting offers.
✔ Customizable Inputs
Adjust costs to reflect your specific situation.
✔ Beginner-Friendly
Designed for homeowners, not financial experts.
When Should You Use This Calculator?
- Before listing your home
- After receiving an offer
- When comparing multiple offers
- While deciding whether to refinance or sell
- When planning to upgrade or downsize
Tips to Maximize Your Net Proceeds
Here are ways to increase your take-home amount:
1. Negotiate Commission
Some agents offer flexible rates.
2. Improve Curb Appeal
Small upgrades can increase sale price.
3. Price Strategically
Overpricing can reduce buyer interest.
4. Fix Major Issues Early
Prevent costly negotiation credits later.
5. Compare Multiple Offers
Highest price isn’t always the best deal.
Understanding “Proceeds After Costs” Percentage
This percentage shows how much of your selling price you keep after expenses and loan payoff.
For example:
- If your proceeds are $150,000 from a $500,000 sale,
- You keep 30% of the total value.
This metric helps compare different sale scenarios.
Common Mistakes Sellers Make
- Forgetting about closing costs
- Ignoring small preparation expenses
- Overlooking mortgage payoff
- Assuming full sale price equals profit
- Not budgeting for repair negotiations
Our calculator helps avoid these costly surprises.
Is This Calculator Accurate?
The tool provides an estimate based on the numbers you enter. Actual closing costs may vary depending on:
- Location
- Contract terms
- Agent agreement
- Buyer negotiations
- Lender payoff fees
For final figures, always consult a real estate professional or closing attorney.
Who Should Use This Tool?
- First-time home sellers
- Homeowners upgrading to larger homes
- Downsizers
- Real estate investors
- Anyone evaluating selling vs. renting
Frequently Asked Questions (FAQs)
1. What is a home sale proceeds calculator?
It’s a tool that estimates how much money you’ll receive after selling your home and paying all costs.
2. Does this include mortgage payoff?
Yes, the calculator subtracts your outstanding loan balance.
3. What commission rate should I use?
Most markets range from 5%–6%, but check with your agent.
4. Are closing costs included?
Yes, you can enter transfer taxes, title, escrow, and other fees.
5. Can I use this for investment properties?
Yes, it works for primary homes and investment properties.
6. Is staging necessary?
Not always, but it can increase sale price and buyer interest.
7. What if I have no mortgage?
Enter $0 in the loan balance field.
8. Does this calculate capital gains tax?
No, this tool does not include capital gains taxes.
9. Can I change the commission rate?
Yes, you can input any rate between 0%–100%.
10. What if my repairs are unknown?
Estimate conservatively to avoid surprises.
11. Is this tool free?
Yes, it’s completely free to use.
12. How accurate is the estimate?
It depends on the accuracy of the numbers you enter.
13. Should I include moving costs?
This calculator focuses on selling costs only.
14. Can I compare different selling prices?
Yes, simply adjust the home value and recalculate.
15. Is my information stored?
No, calculations happen instantly and are not saved.
Final Thoughts
Selling your home isn’t just about the listing price — it’s about your net profit after all expenses.
Our Sell My Home Calculator gives you clarity, confidence, and control over one of life’s biggest financial moves.