Property Sale Proceeds Calculator

29/03/2026

Property Sale Proceeds Calculator estimates how much cash you’ll actually receive after selling a property. This calculator factors in mortgage repayment, selling costs, and Capital Gains Tax to give a clearer view of your net proceeds.

Letsana Planning Tool

Property Sale Proceeds Calculator

Estimate how much cash may remain after selling a property, repaying the mortgage, and allowing for Capital Gains Tax.

1. Property figures

Enter the main purchase and sale numbers for the property.

Sale price (£) The expected sale price of the property. Purchase price (£) The original purchase price used for the gain calculation. Buying costs (£) Include costs such as stamp duty, legal fees and buying agent fees if relevant. Selling costs (£) Include estate agent fees, legal fees and other direct selling costs. Capital improvements (£) Include qualifying improvements rather than normal repairs or maintenance. Current mortgage balance (£) The amount that would need to be repaid from the sale proceeds.

2. Ownership and tax position

These settings affect how the gain and CGT estimate are split.

Ownership split Choose the ownership share used for the CGT estimate. Your taxable income (£) Your income for the tax year, used to estimate how much of the gain falls into each CGT band.

Your result

A simple estimate of gain, tax and sale proceeds based on the figures above.

Capital gain — The estimated gain before annual CGT allowance and ownership split are applied.

Estimated CGT — The estimated Capital Gains Tax across all owners based on the inputs above.

Mortgage repayment — The mortgage balance deducted from the sale proceeds.

Cash before tax — Sale price less selling costs and mortgage repayment.

Cash after tax — The estimated cash remaining after CGT is deducted.

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How to read this

This tool is designed to show likely sale proceeds, not just the tax figure.

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Estimate only. Actual CGT depends on your full tax position, ownership structure, reliefs and whether all costs qualify.

*Capital improvements are costs that increase the value, extend the life, or upgrade the property, rather than simply maintaining it.

They are added to your purchase cost (base cost) when calculating capital gain.

Examples

Include:

Extension or loft conversion
New kitchen or bathroom (full upgrade, not like-for-like)
Structural changes (walls removed, layout changed)
Double glazing added (if not replacing existing like-for-like)
New roof (upgrade, not repair)

Exclude (important):

Repairs (fixing boiler, repainting, replacing broken items)
Maintenance (servicing, patching, small fixes)
Letting costs or mortgage costs

Capital Improvements reduce your taxable gain → reduce CGT → increase net cash after sale

This calculator runs entirely in your browser. No data is stored or transmitted. It is designed for planning and comparison, not prediction.

Tags: Calculator

Property Sale Proceeds Calculator