Seller Decision Tool
Sale Price Is Not the Same as Money in Your Pocket.
Model mortgage payout, negotiated selling costs and a carefully labelled tax scenario before planning what comes after the sale.
What Could You Actually Walk Away With?
Model sale proceeds, mortgage payout and selling costs. For tax-sensitive properties, use a clearly labelled scenario rather than pretending a REALTOR website can replace your accountant.
Formula reviewSeller proceeds and tax-scenario logic reviewed 15 Aug 2026Assumptions & limits
Estimated net before any income-tax scenario—Sale price less entered mortgage payout and selling costs.
Entered selling costs + HST on commission—
Illustrative capital gain—
Illustrative taxable capital gain—
Illustrative income-tax effect—
Illustrative net after selected tax scenario—
Private Strategy Handoff
Review My Selling Scenario →Turn the estimate into a selling strategy.
Net proceeds are only useful when they are connected to timing, preparation, pricing and what you want to do after the sale.
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Professional guidance for buyers, sellers and investors across the Greater Toronto Area.