What costs can I include when selling a property?

The tool separates agent commission, marketing, conveyancing or legal fees, auctioneer fees, cleaning or presentation work, lender discharge fees and other entered costs. Use current written quotes rather than a general market average.

Does the calculator work out capital gains tax?

No. It reports sale proceeds before tax. Capital gains tax depends on ownership history, cost base, exemptions, capital losses and personal tax circumstances. Use the separate CGT calculator as a planning estimate and speak with a registered tax professional.

Should agent commission include GST?

Check the agency agreement. Select includes GST when the percentage or fixed amount is already GST-inclusive. Select excludes GST only when the written quote states that GST is added separately.

Is cash after the loan payout the same as profit?

No. It is only the expected sale price less entered selling costs and the entered lender payout amount. It does not account for the original purchase price, buying costs, holding costs, tax, improvements, settlement adjustments or other debts.

Property Selling Cost Calculator Australia

What this calculator estimates

A sale price is not the amount that reaches the seller. Agent commission, advertising, legal work, property presentation, lender discharge and settlement-related costs can all reduce the proceeds.

This tool keeps those costs separate so you can replace each line with a written quote. It does not estimate the value of the property and it does not choose an agent or method of sale.

Methodology

Agent commission = sale price x entered commission rate, or the fixed commission entered.

Total selling costs = agent commission + all other entered sale costs.

Net proceeds before loan and tax = sale price - total selling costs.

Cash after loan payout, before tax = net proceeds - entered loan payout.

If the commission quote excludes GST, the calculator adds 10% to the entered percentage result or fixed amount. It does not add GST to the other cost fields because those should be entered from their GST-inclusive quotes.

Worked example

Assume an expected sale price of $900,000 and a 2% commission that already includes GST. The seller enters $4,000 for marketing, $2,000 for conveyancing, $700 for an auctioneer, $1,200 for presentation work and $350 for a lender discharge fee.

Agent commission: $18,000.
Other entered selling costs: $8,250.
Total selling costs: $26,250.
Net proceeds before loan payout and tax: $873,750.

If the lender payout figure were $500,000, the remaining cash before tax would be $373,750. That figure is not profit because it does not account for the original purchase, buying costs, improvements, holding costs or tax.

Checks before relying on the estimate

Read the agency agreement and confirm whether commission is fixed, percentage-based or tiered.
Check whether each quote includes GST.
Request an itemised marketing plan and written schedule of outgoings.
Use a current lender payout figure close to settlement where possible.
Keep sale-cost invoices if the property may be subject to capital gains tax.

Related calculators and guides

Capital Gains Tax Calculator for a separate general tax estimate.
Home Equity and LVR Calculator for the current value and loan-balance gap.
Property Settlement Process for the transaction timeline.
Conveyancing and Settlement Guide for legal and settlement context.

Sources

Consumer Affairs Victoria: Selling property with or without an agent, checked 23 July 2026.
NSW Government: Agency agreements for the sale of property, checked 23 July 2026.
Australian Taxation Office: What is capital gains tax?, checked 23 July 2026.

Limitations

This tool does not model tiered commission agreements, settlement adjustments, mortgage interest to settlement, fixed-loan break costs, early repayment costs, capital gains tax, tax deductions or legal obligations. It is not a valuation, settlement statement, legal advice, tax advice or a recommendation.