Estimate proceeds after mortgage and selling costs.
Updates instantly. No input storage.
Shows how the sale price scenario is reduced by mortgage and selling deductions.
The bars are a scenario breakdown, not a valuation or settlement statement.
This NZ seller net proceeds calculator subtracts the mortgage balance and entered selling-related deductions from the sale price scenario to produce indicative net proceeds. It is designed to sit after a selling-cost estimate, not replace a settlement statement.
Use it to make the difference between sale price, debt repayment, selling costs, and remaining funds easier to discuss. General information only. Estimate only. Results depend on user inputs.
If a sale price scenario is $900,000, mortgage balance is $420,000, and selling costs are $36,600, indicative net proceeds are $443,400 before any excluded adjustments.
A seller planning a next purchase could use this output in the moving workflow, then test buying costs and the estimated new loan needed.
This calculator does not include tax, settlement apportionments, mortgage break costs, early repayment fees, body corporate or council adjustments, bridging finance, legal disputes, or contract-specific deductions.
It does not predict sale price, confirm valuation certainty, provide a settlement statement, or recommend whether to sell. Not legal, financial, tax, valuation, mortgage, insurance, investment, property, lending, or compliance advice.
The estimate is a simple sale price minus mortgage balance and entered cost lines calculation. Review figures against mortgage statements, agency agreements, solicitor advice, settlement information, and current quotes.
Use the seller sale planning workflow for proceeds and sale scenarios, or use the moving property changeover workflow when proceeds feed into a next purchase.
Relevant guides: What affects seller net proceeds in NZ, Moving house changeover cost checklist NZ, and Building Inspection Checklist NZ for inspection and repair assumptions that may affect entered cost lines.
