Work out the agent's commission, marketing and other selling costs, and what is left from the sale price before you pay out the mortgage.
Use this calculator to estimate what a sale leaves you with before the mortgage is paid out. Enter the price you realistically expect, not the top of the agent's range. Enter the commission including GST: an agent who quotes 2% plus GST is charging 2.2% of the price. If the agent quotes a flat fee, set the commission to 0 and add the flat fee to the marketing field.
How it works. Commission = sale price x commission rate. The first result adds the marketing amount to the commission. Net proceeds = sale price - commission - marketing - other costs.
Worked example (illustrative). A $950,000 sale at 2.2% gives commission of $20,900. Add $6,500 of marketing and the first result is $27,400. Subtract $3,500 of conveyancing, discharge and moving costs and you are left with $919,100. If your mortgage payout figure is $480,000, you would receive about $439,100 at settlement, before any capital gains tax on an investment property.
Limits. The calculator does not model tiered commission (a higher rate on the part of the price above a target): work that out separately as shown in commission structures compared. It ignores settlement adjustments for council rates, water and strata levies, any fixed-rate break cost on your loan, and tax. If you are a foreign resident, or have not obtained a clearance certificate, the buyer will withhold 15% of the price: use the withholding calculator.
Worked Cost Examples and Checklists
Percentage, flat-fee and tiered real estate commission compared in dollars at three sale prices, with the agent's incentive and a method to set a fair target price.
Costs, Duty and 2026 Rules
What it costs to sell a home in Australia in 2026, including agent commission, GST, marketing, conveyancing, mortgage discharge, CGT and withholding, with a worked total.
Worked Cost Examples and Checklists
A full worked example of the money left from an Australian home sale after commission, marketing, conveyancing, mortgage payout and settlement adjustments.
Costs, Duty and 2026 Rules
How agent commission works in each Australian state and territory in 2026, the laws and regulators, agency agreement rules, GST and what to negotiate.
