Estimate what it costs to sell a property — agent commission, marketing, legal and loan payout — and see the cash you'd likely walk away with.
What this tool estimates
Selling a property is rarely as simple as banking the sale price. Between you and the cash that lands in your account sit a handful of costs — agent commission, the marketing campaign, conveyancing, presentation, and discharging whatever loan is still secured against the property. This calculator pulls those together so you can see the likely net proceeds before you commit to selling, rather than discovering the gap at settlement.
What drives the number
The largest single cost is usually the agent's commission, charged as a percentage of the sale price and very much negotiable — a quarter of a per cent either way is real money on a metropolitan sale. Marketing is a separate line, paid whether or not the property sells well, and presentation costs (styling, minor repairs, a tidy garden) often earn their keep at the auction but still come out of your pocket. If a mortgage remains, the balance is repaid at settlement, and your lender will charge a discharge fee — with a possible break cost on top if you're on a fixed rate. The tool deliberately leaves capital gains tax out: that depends on your ownership structure and wider tax position, and belongs with your accountant.
Use it as a starting point
Treat the result as a planning figure, not a forecast. The selling costs are levers — which agent, what campaign, whether the loan is structured to discharge cleanly — and the order you do things in can change your net position more than the sale price moves. If you're selling to buy again, the question isn't just what you walk away with; it's how that capital is positioned for the next purchase. Book a strategy session and we'll map it against your full circumstances.
General information only — not personal financial product or credit advice. The estimate is indicative and does not account for capital gains tax, which depends on your circumstances and should be confirmed with your accountant. AeFin is an Australian Credit Representative (CR 464548) of Finsure (ACL 384704).