Property Sale Net Proceeds Calculator
See what actually reaches your bank after brokerage, loan repayment, 1% TDS, capital-gains tax and legal costs — itemised, live.
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- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Sale price → net in-hand
Itemised deductionsPlan your property sale & save capital gains tax
A CA helps you compute exact gains, claim 54/54EC exemptions and file 26QB / TDS correctly.
Disclaimer: Indicative estimate only. Capital gains tax depends on holding period, indexation, purchase cost and exemptions and must be computed separately. Sec 194-IA TDS is 1% where sale consideration is ₹50 lakh or more.
What are net proceeds on a property sale?
Your net proceeds (in-hand amount) are what actually reach your bank account after every deduction is taken out of the headline sale price. The agreement value is rarely what you keep — brokerage, the loan you still owe the bank, the 1% TDS the buyer withholds, legal and registration charges, and any capital-gains tax all come off the top. This calculator lets you see each of those, live, so there are no surprises at registration.
How net proceeds are calculated
Start from the sale price, then subtract each cost in turn. The formula the calculator uses is:
Net proceeds = Sale price − Brokerage (sale × %) − Loan repayment − TDS − Other costs − Capital gains tax
Worked example — a ₹1 crore flat sold by a resident, 1% brokerage, no home loan outstanding and no capital-gains tax provisioned separately:
| Sale price | ₹1,00,00,000 |
| Less: Brokerage @ 1% | − ₹1,00,000 |
| Less: TDS u/s 194-IA @ 1% | − ₹1,00,000 |
| Less: Home loan repayment | − ₹0 |
| Less: Legal & registration | − ₹25,000 |
| Less: Capital gains tax | − ₹0 |
| Net in-hand proceeds | ₹97,75,000 |
Key terms explained
Sec 194-IA — 1% TDS
When you sell immovable property (other than agricultural land) for ₹50 lakh or more, the buyer must deduct 1% TDS on the consideration and deposit it via Form 26QB. It reduces your cash at sale but is credited to your PAN and adjustable against final tax.
Brokerage
The agent's commission, usually 0.5%–2% of the sale price. On a ₹1 crore sale, 1% brokerage is ₹1,00,000. It is a genuine cost that reduces your in-hand amount and can often be added to your cost of transfer for capital-gains computation.
Loan foreclosure
If the property has an outstanding home loan, the bank's dues are settled from the sale proceeds before you receive the balance — often directly at registration. Ask your lender for the exact foreclosure figure including any prepayment charges.
Capital gains tax
Tax on the profit (sale price minus indexed cost and expenses). Long-term gains on property held over 24 months are taxed at concessional rates; exemptions under Sec 54 / 54EC / 54F can reduce or eliminate it. Enter your own estimate above.
Questions people ask
Short answers on Property Sale Net Proceeds. Tap a question to open it.
01What is deducted from a property sale before I receive the money?
TDS deducted by the buyer, brokerage, outstanding home loan foreclosure, society dues and transfer charges, legal and documentation costs, and any capital gains tax payable when you file your return.
02How much TDS does the buyer deduct?
1% under section 194-IA where the consideration or stamp duty value is ₹50 lakh or more and the seller is a resident. Where the seller is a non-resident, section 195 applies at a much higher rate on the whole consideration.
03Is the stamp duty value relevant to my capital gain?
Yes. Section 50C substitutes the stamp duty value for the sale consideration where it is higher, subject to a tolerance band of 10%. Selling below circle rate therefore does not reduce the taxable gain.
04Which expenses reduce the capital gain?
Brokerage and legal fees connected with the transfer, the cost of acquisition, and the cost of improvement. Interest on the home loan already claimed under section 24(b) is generally not added to cost.
05How can I save tax on the gain?
By reinvesting in a residential house under section 54 or 54F within the prescribed period, or in specified NHAI or REC bonds under section 54EC up to ₹50 lakh within six months. Amounts not reinvested before the filing date should go into the Capital Gains Account Scheme.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.