Ontario seller calculator
What could remain after you sell?
Enter a sale-price scenario and the costs you know. The estimate appears immediately. No email address is required, and the calculator does not send your entries to a third party.
Methodology in plain language
How the estimate is calculated
Estimated net proceeds = expected sale price − mortgage payout − commission − HST on commission − legal fees − discharge fee − preparation, moving, and other entered costs.
Ontario HST is calculated at 13% of the commission entered. Commission is negotiable. Use the rate in the agreement you are considering rather than treating the default as a quote.
Build a useful range
The default values are a worked example, not typical fees or a quote. For a more useful planning range, run the calculator at a conservative, central, and higher sale-price scenario. Use the commission rate from each written proposal you are actually considering, a current lender payout estimate, a lawyer's fee and disbursement estimate, and current preparation and moving quotes.
| Sale price | Use three property-specific scenarios supported by current comparable and competing homes. |
|---|---|
| Commission | Test the actual negotiable rate in each service proposal rather than assuming a market standard. |
| Mortgage payout | Include the lender's current balance, discharge fee, and any estimated prepayment penalty. |
| Legal and adjustments | Use a current quote and leave room for disbursements, tax, utility, or title adjustments. |
| Preparation and moving | Compare current quotes and include a contingency for work that is not yet scoped. |
Worked example
For a $700,000 sale, a $300,000 mortgage payout, 4.0% commission, $1,800 legal estimate, $400 discharge fee, $3,000 of preparation, and $2,500 of moving costs, the estimate is:
| Commission | $28,000 |
|---|---|
| HST on commission | $3,640 |
| All entered deductions | $339,340 |
| Estimated net proceeds | $360,660 |
What is not included automatically
Possible mortgage prepayment penalties, property-tax or utility adjustments, title issues, estate costs, non-resident requirements, income or capital-gains tax, HST on a property transaction where applicable, moving overlap, repairs after inspection, and unusual legal work are not calculated unless you enter them under other costs.
Limits and professional review
This is a planning estimate, not a payout statement, appraisal, tax calculation, legal account, commission quote, promise of sale price, or financial recommendation. Confirm material amounts with your lender, lawyer, accountant, and signed service agreements before making a decision.
Also useful: the move-up cost calculator and the renovate-or-sell calculator.
No pressure. One clear step.
Use a property-specific range to make the proceeds estimate more useful.
Home Equity Check
Get a local, property-specific range before you decide whether moving now makes sense.
The Listing Launch
Matt walks the house with you and you leave with what to prepare, what to price it at, and how it stacks up against what's actually competing with it right now.
The Prep Plan
A professional cleaning, a pre-listing inspection, and a decluttering and packing plan, finished with a confirmed price before the home goes live.