Seller Net Proceeds Calculator

See what you could walk away with when you sell

Your sale price isn't what lands in your bank account. Commission and HST, your mortgage payout, any prepayment penalty, legal fees and moving costs all come off the top. Knowing your real number helps you plan your next purchase with confidence.

Enter your details for an estimate. For an accurate starting point, request a free home evaluation and ask your lender for a mortgage payout statement.

Your sale

Expected sale price

Not sure? Start with a free home evaluation.

Total real estate commission

Commission is negotiable. Enter the total rate in your listing agreement. HST is added automatically.

Your mortgage

Mortgage balance

Prepayment penalty

Ask your lender for a payout statement to see your exact balance, any penalty and the discharge fee.

Other costs (typical estimates, edit to match your quotes)

Legal fees and disbursements

Mortgage discharge fee

Repairs, staging and cleaning

Moving costs

Adjustments in your favour

Other costs

Adjustments in your favour are prepaid property tax or utilities the buyer reimburses on closing.

Enter your commission rate for an accurate estimate.

estimated net proceeds after closing

Sale price	$0
Commission	$0
HST on commission (13%)	$0
Mortgage payout	$0
Prepayment penalty and discharge fee	$0
Legal fees and disbursements	$0
Repairs, staging, moving and other	$0
Adjustments in your favour	$0
Total costs of selling	$0

Get a free home evaluation Book a consultation

Estimate only. Sellers in Ontario don't pay land transfer tax. If the home was your principal residence for every year you owned it, the gain is generally tax-free, but the sale must still be reported on your tax return; investment and rental properties may owe capital gains tax. Your lawyer will provide a final statement of adjustments before closing. Not legal, tax or financial advice.