Home Sale Calculator: How Much Money Will You Keep After Selling?
Estimate your walk-away money after your mortgage balance, real estate commission, legal fees, selling costs, and other debts are paid.
More Than Just the Sale Price
Selling your home is not just about the sale price. What really matters is how much money you may actually keep after the mortgage is paid off, selling costs are deducted, and any other obligations are handled.
This calculator gives Ontario homeowners a simple way to estimate their potential net proceeds before making a major financial decision.
Ontario Home Sale Net Proceeds Calculator
Enter your estimated sale price, mortgage balance, real estate commission, legal costs, and other selling expenses to get a clearer picture of what you may walk away with.
What This Calculator Includes
This tool is designed to help you look beyond the sale price and estimate the real amount you may have available after common selling costs and payouts.
Estimated Sale Price
What you expect your home to sell for before any costs.
Current Mortgage Balance
Pay off what you still owe before counting what’s yours.
Realtor Commission
Standard real estate agent fees for listing and selling.
Legal Fees
Lawyer or paralegal costs for the closing process.
Mortgage Discharge Costs
Document fees and discharge charges from your current lender.
Other Debts or Payouts
HELOCs, second mortgages, or other obligations tied to your home.
Estimated Walk-Away Cash
What you may actually have left after everything is paid.
Why Your Walk-Away Number Matters
Many homeowners focus on what their home might sell for, but the more important number is what remains after everything is paid. This can affect your next home purchase, refinance options, debt payout strategy, investment planning, or decision to downsize.
Knowing your estimated walk-away number can help you make a more confident decision before listing your home or making your next move.
This Calculator May Help If You Are:
Thinking about selling your home
Planning to downsize
Separating or going through a spousal buyout
Considering selling to pay down debt
Buying another home after selling
Wondering whether to refinance instead of sell
Trying to understand your home equity position
Thinking About Selling, Refinancing, or Buying Again?
Before you make a major move, get advice based on your real numbers. Bruno Marsala — Mortgage Agent Level 2 can help you understand your options and make a smarter next step.
No obligation. We’ll see if we’re a fit.
The calculator provides an estimate only and should not be considered financial, legal, tax, mortgage, or real estate advice. Actual results may vary based on lender payout statements, mortgage penalties, real estate commissions, legal fees, taxes, adjustments, discharge fees, and other closing costs. Speak with a qualified mortgage professional, lawyer, accountant, or real estate professional before making decisions.