Calculator
See your net from a home sale: price minus payoff, commission, and costs
Your sale price is not your take-home. Enter the price, what you still owe, and the costs of the sale, and the calculator shows what would actually land in your account, with every line editable as your real figures firm up. Free, about a minute, no sign-up, and nothing you enter leaves your browser.
What a listing agent would charge to sell your home. By selling it yourself, this stays with you.
What you still owe your lender, including any second loan.
Set to 0 if the buyer has no agent.
Varies by country and local custom. One to two percent is a common starting estimate.
A flat-fee MLS entry in the US or a paid portal listing elsewhere, plus photography.
How much will you make? Price minus four lines
Every sale nets out the same way. Start with the price, then subtract four lines. The mortgage payoff is usually the biggest, and it is not really a cost: it is a debt the sale clears, and your lender's payoff statement gives the figure, typically a little above your monthly balance once interest and fees are added. Commission is the line you control most: selling without a listing agent removes the listing side entirely, and what you offer a buyer's agent is negotiable, down to zero if your buyer has none. Closing costs, the title and escrow or settlement fees plus transfer taxes where they apply, mostly scale with the price. Concessions, anything you credit the buyer for repairs or toward their own costs, come straight out of what remains.
From estimate to a number you can plan around
Each line firms up with one document or one decision. Ask your lender for a payoff statement instead of reading your monthly balance. Get a local quote or two for the title and settlement work, since those costs differ by country and even by county, then replace the percentage default above. Decide before you list what commission, if any, you will offer a buyer's agent, and write it down so a negotiation does not decide it for you. Keep a small buffer for concessions, because inspection-stage repair credits are common. Tax on your profit sits outside all of this and depends on where you live and how long you owned the home; the settlement statement you sign at closing is the final word on everything else.
What this calculator does and does not do
The number is plain arithmetic on the lines you enter: price, minus payoff, minus the costs you typed in. It does not estimate tax on your profit, and it does not know your local title and transfer pricing, which is why every line stays editable. To see the avoided listing commission on its own, use the commission savings calculator. For the steps between an accepted offer and getting paid, read closing and costs.
Common questions
How do I calculate how much I will make selling my house?
Start with the sale price and subtract four things: the mortgage payoff, any commission you choose to offer, closing costs such as title and settlement fees and transfer taxes where they apply, and anything you agreed to credit the buyer. What is left is your net proceeds. This calculator runs that arithmetic line by line, with every line editable, so you can test asking prices before you commit to one.
What costs are deducted when you sell a house?
Four kinds. The mortgage payoff, which is usually the biggest line and is a debt the sale clears rather than a cost. Commission: selling without a listing agent removes the listing side, and whatever you offer a buyer’s agent is negotiable, down to zero if your buyer has none. Closing costs: title and escrow or settlement fees, plus transfer taxes where your country, state, or city charges them. And concessions: repair credits or help with the buyer’s closing costs that you agreed to in negotiation.
How much are closing costs for a seller?
Most seller-side closing costs scale with the price, which is why they are entered here as a percentage. One to two percent of the price is a common starting estimate in many markets, before any commission. Where we have sourced data for your country, the calculator fills in that default; either way the field stays editable, so replace it once you have local quotes.
Do I pay taxes on the money I make from selling my house?
Two different taxes can touch a sale. Transfer taxes, where they exist, are paid at closing and belong in the closing-cost percentage here. Tax on your profit is separate and is not included: in the United States, many primary-residence sellers can exclude up to $250,000 of gain, or $500,000 filing jointly, and other countries have their own rules, some exempting a main home entirely. Our capital gains calculator estimates the US side; your country guide covers the local rules.
What happens if I sell my house for less than I owe?
The calculator shows a negative net, which means the sale would not clear your mortgage. You would have to bring the difference to closing or get your lender’s consent to sell for less than the debt, called a short sale in the United States. Talk to your lender before you list: ask for a payoff statement, then run your realistic price range here to see how much room you actually have.
When do I get the money after selling my house?
At completion, when ownership legally transfers. The professional who handles your closing, an escrow or title company in the United States, a notary in much of Europe, a solicitor or conveyancer in the United Kingdom and Ireland, pays off your mortgage first, settles the remaining costs, and sends you the balance, usually the same day or within a few business days. The settlement statement you receive then is the final word on every line this calculator estimates.