Sellers Calculator
Selling a home is exciting — but it’s also financial. Many homeowners focus on the listing price, assuming that’s the amount they’ll walk away with. In reality, several deductions reduce your final payout.
That’s where our Sellers Calculator comes in.
This powerful and easy-to-use tool helps you calculate your estimated net proceeds after commission, closing costs, mortgage payoff, and seller expenses — all in seconds.
Whether you’re upgrading, downsizing, relocating, or selling an investment property, this calculator gives you clarity before making big decisions.
Why You Need a Sellers Net Proceeds Calculator
When you sell a property, the sale price is only the starting point. From that amount, you typically subtract:
- Real estate commission
- Seller-paid closing costs
- Seller concessions
- Home warranty
- Repair costs
- Mortgage payoff
Without properly calculating these deductions, you may overestimate your profit — sometimes by tens of thousands of dollars.
Our Sellers Calculator ensures you know your true bottom line before listing or accepting an offer.
What Does the Sellers Calculator Calculate?
The tool provides a full breakdown of:
- Selling Price
- Commission Amount
- Closing Costs
- Seller Concessions
- Home Warranty Cost
- Repairs
- Total Deductions
- Mortgage Payoff
- Estimated Net Proceeds
- Proceeds Percentage
This gives you a complete financial snapshot of your home sale.
How to Use the Sellers Calculator
Using the calculator is simple and takes less than a minute.
Step 1: Enter the Selling Price
Input the price you expect to sell your home for.
Example: $475,000
Step 2: Add Current Mortgage Balance
Enter the remaining balance on your mortgage loan.
Example: $275,000
Step 3: Enter Commission Rate (%)
The default is 6%, but you can adjust it.
Step 4: Add Seller Closing Costs
Include escrow fees, transfer taxes, and other seller-paid closing expenses.
Step 5: Enter Seller Concessions
These are credits offered to buyers (for repairs, rate buy-downs, etc.).
Step 6: Add Home Warranty Cost
If you’re offering a warranty to the buyer, include that amount.
Step 7: Add Seller Repairs
Include agreed-upon repairs or pre-listing improvements.
Step 8: Click “Calculate”
Instantly see your estimated net proceeds and proceeds percentage.
Use the Reset button anytime to start over.
Example Calculation
Let’s say:
- Selling Price: $500,000
- Mortgage Balance: $300,000
- Commission: 6%
- Closing Costs: $8,000
- Seller Concessions: $5,000
- Home Warranty: $600
- Repairs: $6,000
Commission:
6% of $500,000 = $30,000
Total Deductions:
$30,000 + $8,000 + $5,000 + $600 + $6,000 = $49,600
Net Proceeds:
$500,000 – $49,600 – $300,000 = $150,400
You would walk away with approximately $150,400 before personal moving expenses or taxes.
Understanding Each Cost Category
1. Real Estate Commission
Typically 5%–6% of the selling price. This is usually split between listing and buyer agents.
2. Seller Closing Costs
Includes escrow fees, transfer taxes, recording fees, and other administrative charges.
3. Seller Concessions
Credits offered to buyers to cover repairs or closing costs.
4. Home Warranty
A one-year protection plan for appliances and systems offered to buyers.
5. Seller Repairs
Repairs negotiated after inspection or improvements done before listing.
6. Mortgage Payoff
The remaining loan balance that must be paid at closing.
What Is “Proceeds Percentage”?
This metric shows how much of your total sale price you keep after deductions and mortgage payoff.
Example:
If you sell for $500,000 and net $150,000,
You keep 30% of the total sale value.
This is helpful when comparing multiple offers.
When Should You Use This Calculator?
- Before listing your property
- After receiving an offer
- When negotiating concessions
- While planning to upgrade homes
- When deciding whether to sell now or wait
Benefits of Using Our Sellers Calculator
✔ Instant Financial Clarity
Know your numbers before signing anything.
✔ Accurate Offer Comparison
Compare multiple offers quickly.
✔ Smart Negotiation Tool
See how concessions impact your bottom line.
✔ Easy Financial Planning
Budget for your next purchase with confidence.
Common Seller Mistakes This Tool Helps Avoid
- Forgetting to include seller concessions
- Underestimating closing costs
- Ignoring warranty expenses
- Overlooking repair negotiations
- Assuming sale price equals profit
This calculator removes guesswork and surprises.
Tips to Increase Your Net Proceeds
1. Negotiate Commission
Some agents offer competitive rates.
2. Limit Concessions
Offer only what’s necessary to close the deal.
3. Handle Repairs Strategically
Fix major issues before listing to avoid large buyer credits.
4. Price Correctly
Overpricing can lead to longer market time and price reductions.
5. Compare Net, Not Just Price
A higher offer with heavy concessions may net less money.
Is This Sellers Calculator Accurate?
The calculator provides an estimate based on your inputs. Actual figures may vary depending on:
- Local market conditions
- Contract negotiations
- Lender payoff statements
- Final closing disclosures
For exact numbers, consult your real estate professional or closing agent.
Who Should Use This Tool?
- First-time home sellers
- Homeowners relocating
- Downsizers
- Investors
- Anyone evaluating selling vs. renting
If you want to know “How much will I make when I sell my house?” — this tool is for you.
Frequently Asked Questions (FAQs)
1. What is a sellers net proceeds calculator?
It’s a tool that estimates how much money you’ll receive after selling your home and paying all expenses.
2. Does this include mortgage payoff?
Yes, your mortgage balance is subtracted from the sale proceeds.
3. What commission rate should I use?
Most markets range between 5%–6%, but you can adjust it.
4. Are closing costs included?
Yes, seller-paid closing costs can be added.
5. What are seller concessions?
Credits given to buyers to help close the deal.
6. Is the home warranty required?
No, it’s optional but often offered to attract buyers.
7. What if I don’t have a mortgage?
Enter $0 in the mortgage balance field.
8. Can I compare multiple scenarios?
Yes, change the numbers and recalculate instantly.
9. Does this include capital gains tax?
No, this calculator does not include tax calculations.
10. Is this tool free?
Yes, it’s completely free to use.
11. How accurate is the estimate?
Accuracy depends on the numbers you provide.
12. Can investors use this calculator?
Yes, it works for rental or investment properties.
13. Should I include moving costs?
This calculator focuses on selling-related costs only.
14. What happens if my repairs cost more later?
Update the calculator to reflect the new estimate.
15. Is my data stored?
No, calculations are performed instantly and not saved.
Final Thoughts
The most important question when selling isn’t “What’s my home worth?”
It’s “How much will I actually take home?”
Our Sellers Calculator gives you immediate clarity on your net proceeds after commission, mortgage payoff, and seller expenses.
Before you list, negotiate, or accept an offer — calculate your real numbers and make confident financial decisions.