Net Sale Proceeds Calculator

Estimate how much cash you actually walk away with after selling your home — sale price minus mortgage payout, realtor commission (plus GST/HST), legal fees, and closing adjustments.

Sale price

Mortgage payout remaining

Mortgage penalty (if breaking)

Realtor commission (%)

Typically 4–5% total in Canada (split between buying and listing agents).

Province (for sales tax on commission)

Legal fees

Staging & marketing

Closing adjustments

Net cash to seller

$395,650.00

44.0% of sale price walks away with you.

Sale price$900,000

Mortgage payout− $450,000

Realtor commission (5%)− $45,000

Sales tax on commission− $5,850

Legal fees− $1,500

Staging & marketing− $1,500

Closing adjustments− $500

Net proceeds$395,650

Estimate only. Mortgage penalty calculations vary by lender (typically the greater of 3 months interest or IRD). Capital gains tax may apply if this is not your principal residence.

The information presented on HousingPortal.ca is intended for general illustrative purposes only. While the information is believed to be reliable, it cannot be guaranteed for accuracy, completeness, or currency. Neither HousingPortal.ca and its employees, nor any other party identified in this guide/report, assumes any liability for the information provided. The views and opinions expressed by the analysts at HousingPortal.ca are their own and should not be considered as investment advice. It is recommended that you seek the advice of a licensed real estate professional before making any decisions regarding real estate investments.