Seller net proceeds
Compare your traditional listing net against a direct as-is offer, line by line.
Calculators
Chicago Property Calculators
A free suite of planning tools for Chicago-area sellers, buyers, and investors. Estimate net proceeds, capital gains, transfer tax, property tax proration, repairs, holding cost, mortgage payoff, cash to close, and rental returns. These tools are not appraisals, legal advice, tax advice, lending advice, or inspection reports.
Get a reviewed number
A calculator is a starting point. For figures specific to your property, request a direct review of payoff, taxes, title, condition, and timing.
Seller calculators
Capital gains tax
Estimate gain after the Section 121 exclusion, plus federal, NIIT, and Illinois tax.
Home repair cost
Add up repair categories with a contingency and a fix-or-sell signal.
Holding cost
See the monthly, daily, and total carrying cost while a property sits.
Calculators for your situation
Property tax redemption
Estimate the cost to redeem taxes sold at an Illinois tax sale before a deed issues.
Foreclosure reinstatement
Estimate the cost to reinstate and the equity you could protect by selling.
Inherited property sale
Estimate net proceeds with stepped-up basis and split among heirs.
Divorce home equity
Estimate net equity, the split between spouses, and a buyout to keep the home.
Rent vs sell
Compare keep-and-rent against sell-now-and-invest over your time horizon.
Closing and tax calculators
Transfer tax
Estimate Illinois, county, and municipal transfer tax and the buyer or seller split.
Property tax proration
Estimate the seller-to-buyer tax credit at a Cook County closing, with per-diem.
Mortgage payoff
Estimate payoff including per-diem interest to your payoff date.
Buyer calculators
Cash to close
Estimate the cash a buyer needs at closing and check readiness.
Mortgage affordability
Estimate the full monthly payment and check it against a debt-to-income guideline.
Investor calculators
Rental cap rate and ROI
Cap rate, cash-on-cash, GRM, and DSCR for a rental, with financing.
70 percent rule
Calculate a maximum allowable offer from ARV, repairs, and fees.
Fix and flip profit
Estimate net profit, ROI, and annualized return on a full flip deal.
How to use these calculators
Each calculator is a starting point for comparing assumptions. Before money moves or documents are signed, review title, payoff, taxes, inspection, financing, attorney review, and municipal requirements with the appropriate professionals.
Calculator FAQs
Are these calculators appraisals?
No. The calculators are planning tools for comparing assumptions. They are not appraisals, legal advice, tax advice, lending advice, inspection reports, or guarantees of value.
Which calculator should I start with?
Sellers usually start with the seller net proceeds calculator, then check repair cost, holding cost, and capital gains. Buyers start with cash to close, and investors start with the rental cap rate or the 70 percent rule calculator.
What numbers should I gather first?
Start with estimated value, mortgage payoff, taxes, liens, repair scope, monthly carrying costs, and your timeline. You do not need perfect information to get a useful estimate.