How much will I actually walk away with when I sell?

Take your estimated sale price and subtract your mortgage payout (including any prepayment penalty and discharge fee), commission, legal fees, closing adjustments, and prep and moving costs. This calculator does that math and shows an estimated range.

Is commission a fixed rate in Ontario?

No. Commission is negotiated individually between a seller and their brokerage and varies by brokerage and level of service. That is why the rate field in this calculator is blank and editable rather than pre-filled.

Is this calculator a quote or a listing agreement?

No. It is a general estimate for planning purposes only, not a legal, financial, or tax opinion, and not a commission quote. For an exact figure, Mohammed can prepare a full net sheet for your property.

Free seller tool

Seller Net Proceeds Calculator

Estimate what you'd actually walk away with after selling, commission, legal fees, mortgage payout, and closing costs, all in one place.

Mohammed Mustaf, Real Estate Salesperson | HomeLife Miracle Realty Ltd., Brokerage | RECO Registration #6004851

This calculator gives a general estimate for planning purposes only. It is not a legal, financial, or tax opinion, and it is not a listing agreement or commission quote. For an exact figure, contact Mohammed for a full net sheet based on your property.

Your numbers

Get a free home valuation first

Estimated sale price *

Outstanding mortgage balance *

Your lender's payout balance, not an amortization guess.

Second mortgage / HELOC balance (optional)

Estimated commission rate *

Commission rates are negotiated individually and vary by brokerage and service.

Estimated legal fees *

Ask a licensed Ontario real estate lawyer for a quote and enter it here.

Mortgage discharge fee

A flat fee most lenders charge to release your mortgage at closing.

Mortgage prepayment penalty (optional)

Ask your lender for your payout statement to get this figure.

Property tax / utility adjustments (optional)

Property taxes and prepaid utilities are prorated between you and the buyer at closing.

Prep, repairs and staging budget (optional)

Moving costs (optional)

Enter your numbers and select Calculate My Net Proceeds. Your estimated range will appear here.

Questions sellers ask about net proceeds

How much will I actually walk away with when I sell?: Take your estimated sale price and subtract your mortgage payout (including any prepayment penalty and discharge fee), commission, legal fees, closing adjustments, and prep and moving costs. This calculator does that math and shows an estimated range.
Is commission a fixed rate in Ontario?: No. Commission is negotiated individually between a seller and their brokerage and varies by brokerage and level of service. That is why the rate field in this calculator is blank and editable rather than pre-filled.
Is this calculator a quote or a listing agreement?: No. It is a general estimate for planning purposes only, not a legal, financial, or tax opinion, and not a commission quote. For an exact figure, Mohammed can prepare a full net sheet for your property.

Disclosure: Mohammed Mustaf, Real Estate Salesperson, HomeLife Miracle Realty Ltd., Brokerage. RECO Registration #6004851. Information on this page is general in nature and not a substitute for independent legal, financial, or tax advice.