Embeddable calculator

Seller Net Sheet Calculator

Estimate what a seller may walk away with after mortgage payout, commission, tax, legal fees, prep, moving, and adjustments.

Estimate details

Default scenario loaded. Adjust the assumptions below to match the property, client, or decision.

Preloaded scenarios

Tap a scenario to preload realistic assumptions, then tune the numbers for the specific property or client.

Sale scenario

Core assumptions

Expected sale price$Mortgage balance$Mortgage penalty estimate$ProvinceCity

Selling costsAdjust details

Listing-side commission%Buyer-side commission%Commission tax rate%Legal fees$Discharge/title fees$Repairs and prep$Staging$Moving costs$Property tax adjustment$Condo document fees$Other costs$

Estimate generated

Estimated net proceeds

$337,850.00

Total selling costs

$47,650.00

Mortgage payout

$464,500.00

Seller strategy score

90/100

Decision brief

Estimated net proceeds: $337,850.00

Next action

Request an exact mortgage payout statement.

Review items

Sources

Sale scenarios

Scenario	Sale price	Selling costs	Estimated net
Downside -10%	$765,000	$44,080	$256,420
Low -5%	$807,500	$45,865	$297,135
Expected	$850,000	$47,650	$337,850
Upside +5%	$892,500	$49,435	$378,565
Strong +10%	$935,000	$51,220	$419,280

Cost breakdown

Cost item	Amount	Share of sale price
Commission	$34,000	4.0%
Commission tax	$1,700	0.2%
Repairs, prep, staging, moving	$9,000	1.1%
Legal, discharge, adjustments, other	$2,950	0.3%
Mortgage payout	$464,500	54.6%

Walkaway diagnostics

Metric	Value	Why it matters
Equity before selling costs	$385,500	Sale price minus mortgage payout
Net proceeds ratio	39.7%	Walkaway cash as a share of sale price
Exact break-even sale price	$497,338	Price needed to avoid negative proceeds
Selling cost ratio	5.6%	Costs excluding mortgage payout as a share of price

Key assumptions

Commission is calculated from user-entered rates and is negotiable by agreement.
Mortgage penalty is user-entered and must be confirmed with the lender.
Tax, family-law, estate, and capital gains implications are not calculated.

Suggested next steps

Request an exact mortgage payout statement.
Compare low, expected, and high sale scenarios before setting your list price.
Ask a Realtor or lawyer to review closing assumptions.

Warnings

Mortgage payout penalties can change daily and must be confirmed with the lender.
Seller legal fees, discharge fees, and adjustments vary by property and closing date.
This estimate does not determine tax consequences or division of family property.

Formula used

Commission = sale price * total commission percentage.
Total selling costs = commission + commission tax + prep + moving + legal + discharge + adjustments + other costs.
Net proceeds = sale price - total selling costs - mortgage balance - mortgage penalty.
Break-even sale price solves for fixed costs plus variable commission and commission tax.

No statutory source was required for this estimate. User-entered assumptions still need professional review.

RealEstateTools.ca provides educational estimates only. Results are not legal, financial, tax, mortgage, appraisal, accounting, or investment advice. Confirm all numbers with qualified professionals.