Seller calculators
See what you actually walk away with after payoff, liens, commission, repairs, and closing costs, and compare a traditional listing against a direct as-is sale. This is a planning tool, not an appraisal or an offer.
A calculator is a starting point. Get a full picture with a direct review of payoff, taxes, title, condition, and timing.
Enter your numbers. Leave the as-is offer at zero to use a transparent default of price minus repairs minus a market and holding adjustment.
Reviewed and updated June 2026
A higher list price does not always win. Commission, pre-sale repairs, concessions, and months of carrying cost can close the gap with a fast as-is offer. This tool shows both paths side by side so you can decide on the numbers, not the headline.
The two figures that matter are the traditional listing net and the as-is net. Read them side by side, then weigh the time each path takes.
Net proceeds are the sale price minus everything that comes out at or before closing. On a traditional listing that usually means the loan payoff, any liens or back taxes, agent commission, pre-sale repairs, buyer concessions, and closing costs. The headline price is rarely what reaches your account.
A direct as-is sale removes several of those lines. There is no agent commission, no pre-sale repair budget, and many direct buyers cover routine closing costs, so the math is simpler even when the offer is lower. The traditional net shown here also does not subtract the carrying cost of every month a property sits on the market, which is where a faster close often pulls ahead. Use the holding cost calculator to weigh that timing.
A net sheet is an estimate of what a seller keeps after a sale, starting from the sale price and subtracting payoff, liens, commission, repairs, concessions, and closing costs. It is a planning estimate, not the final closing statement prepared by the title company.
No. A higher price can be offset by commission, pre-sale repairs, concessions, and the carrying cost of extra months on the market. Comparing the net of each path is more useful than comparing the headline price.
A direct as-is sale generally removes agent commission and pre-sale repairs, and many direct buyers cover routine closing costs. That is why a lower as-is offer can still net close to or above a traditional sale after costs and time.
No. It is a free planning tool. A real offer follows a review of payoff, title, taxes, condition, and timing. Request an offer review for figures specific to your property.
A Chicago seller commonly pays state and county transfer stamps, a city transfer stamp toward the transit fund, attorney fees, title charges, a paid water certification, and any agreed concessions. Together these often run a few percent of the sale price, separate from agent commission and the loan payoff.
Capital gains tax is based on your gain, not on the cash you walk away with. If the home was your primary residence for 2 of the last 5 years, the Section 121 exclusion can remove up to 250,000 dollars of gain for a single filer or 500,000 dollars for a joint filer. Use the capital gains calculator to estimate any tax.
This calculator is general information for Chicago-area owners, buyers, and investors. It is not legal, tax, lending, appraisal, or brokerage advice, and rates or rules can change. Verify figures with the appropriate professionals before money moves or documents are signed.