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Seller Net Proceeds Calculator

What will you walk away with?

Enter your expected sale price and mortgage. See your estimated cash at closing after commission, HST, legal fees and your mortgage payout, updated as you type.

Your sale

$
Not sure? Get a free home evaluation.
%
HST (13%) is added to commission automatically.

Your mortgage

$
%
Breaking a variable mortgage usually costs about 3 months' interest.

Other costs

$
Lawyer, disbursements, mortgage discharge fee.
$
This is not my principal residence (rental, cottage, investment)

Capital gains tax may apply and is not included below. If you are not a resident of Canada, the buyer's lawyer may also hold back part of the sale price until CRA clears the sale. Speak with your accountant before you list.

Example numbers. Change any field to see yours.

You walk away with

Enter your expected sale price to see your estimate.

$0

Your cashMortgage payoutSelling costs
  • Sale price$0
  • Commission-$0
  • HST on commission (13%)-$0
  • Legal and closing-$0
  • Mortgage payout-$0
  • Prepayment penalty (estimate)-$0
  • Moving, staging, repairs-$0
  • Estimated cash at closing$0

Not included: land transfer tax (paid by the buyer in Ontario), property tax and utility adjustments at closing, and any capital gains tax. Estimate only, not legal, tax or mortgage advice. Your lender sets your actual penalty. Full disclaimer

Get my exact sale price

Send me my numbers

I'll email this breakdown to you, and can check it against your actual mortgage and recent sales if you'd like.

Also send me occasional local market updates from Matthew Gizzie, REALTOR®, Keller Williams Realty Centres. I can unsubscribe at any time.
Sent.Your breakdown is on its way from matthew@meetmatthew.ca. Not there in a few minutes? Check your spam or promotions folder. Questions? Call or text 289-338-1433.

Keep planning your sale

Know your numberFree home evaluationThe biggest variable in this calculator is your sale price. Get it from recent sales near you.Open → Watch your streetNeighbour AlertsGet an email when homes near you list or sell, so you can see what buyers are paying.Open → Read the marketMarket reports by townPrices, days on market and sale-to-list ratios, town by town.Open → Buying next?Affordability calculatorSee what you can afford for your next home once your sale closes.Open → Selling for a family member?Estate and transition salesHow to sell an estate or a parent’s home with less stress and fewer surprises.Open → Selling during a separation?Divorce and separationA neutral, confidential approach to selling a shared home.Open →

Rather talk it through? Contact Matthew or call or text 289-338-1433. See what past clients say.

Important Disclaimer, Limitation of Liability and Independent Advice

Estimate only. This calculator gives a general estimate based only on the figures you enter and the assumptions shown. It is not an appraisal, a comparative market analysis, or a guarantee of any sale price, closing amount or outcome. Your actual proceeds will differ.

Commission. Real estate commission is not set by law. It is negotiable and is agreed in writing in your listing agreement. The 5% shown is an example starting point only and is not an offer, quote or fixed fee. HST (13%) is applied to commission.

Mortgage. The prepayment penalty is a simplified estimate of three months' interest. Fixed-rate mortgages may instead charge an interest rate differential (IRD), which can be much higher, and lenders may add discharge, administration or other fees. Only your lender's written payout statement sets your actual payout and penalty.

Not included. Land transfer tax (paid by the buyer in Ontario), property tax, utility and condominium fee adjustments at closing, capital gains tax, non-resident withholding under section 116 of the Income Tax Act, HST that may apply to new or substantially renovated homes, bridge financing, and any costs you have not entered.

Independent advice. This calculator is not legal, tax, accounting, mortgage or financial advice. Before you list or sign anything, get advice from your own real estate lawyer, accountant and mortgage lender.

Limitation of liability. The calculator and its results are provided "as is" without warranty of any kind. Matthew Gizzie and Keller Williams Realty Centres are not liable for any loss or decision arising from its use.

Your information. If you ask for your breakdown by email, your name, email, optional address and the figures you entered are used to send it and to respond to you. They are not sold or shared. Market updates are sent only if you tick the box, and you can unsubscribe at any time.

REALTOR® is a trademark controlled by The Canadian Real Estate Association (CREA) and identifies real estate professionals who are members of CREA.

Matthew Gizzie, REALTOR® · Keller Williams Realty Centres · The Economics of Real Estate. Estimates are for illustration only. Not intended to solicit buyers or sellers currently under contract with a brokerage.

Matthew Gizzie

Matthew Gizzie

Real Estate Professional

Keller Williams Realty Centers, Brokerage.

16945 Leslie Street unit 27-29, Newmarket, Ontario, L3Y 9A2

Matthew@meetmatthew.ca

(289) 338-1433

(905) 895-5972
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Matthew Gizzie is a registered REALTOR� with Keller Williams Realty Centres, Brokerage. Proudly serving York Region, Simcoe County, and the Greater Toronto Area including Newmarket, Aurora, Richmond Hill, Vaughan, Markham, Barrie, and Bradford. Not intended to solicit buyers or sellers currently under contract. MLS� and REALTOR� are trademarks of The Canadian Real Estate Association (CREA).

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