Home Sale Capital Gains Calculator
Last updated: November 5, 2026
Estimate gain on a home sale after selling costs, adjusted basis and entered exclusion.
Estimated taxable gain
—
- Realized gain or loss: —
- Net sale proceeds: —
- Adjusted basis: —
On this page
Quick summary: Estimate gain on a home sale after selling costs, adjusted basis and entered exclusion.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate gain on a home sale after selling costs, adjusted basis and entered exclusion.
How to use it
Enter Home sale price ($); Selling costs ($); Original purchase price ($); Capital improvements ($); Available home-sale exclusion ($). Select Calculate to update the results.
How the calculation works
Realized gain equals net sale proceeds minus adjusted basis. The entered exclusion is then subtracted.
Worked example: starting scenario
| Home sale price ($) | 650000 |
|---|---|
| Selling costs ($) | 39000 |
| Original purchase price ($) | 350000 |
| Capital improvements ($) | 50000 |
| Available home-sale exclusion ($) | 250000 |
| Estimated taxable gain | $0.00 |
|---|---|
| Realized gain or loss | $211,000.00 |
| Net sale proceeds | $611,000.00 |
| Adjusted basis | $400,000.00 |
Important limitations
Ownership/use tests, depreciation recapture and special events can change the exclusion and taxable gain.
A loss is not a zero realized gain
Net proceeds = sale price − selling costs; adjusted basis = purchase price + entered improvements. Realized gain or loss = net proceeds − basis and can be negative. Estimated taxable gain is max(0, realized gain − entered exclusion). Selling for $200,000 with $10,000 selling costs and $250,000 basis therefore shows a $60,000 realized loss and $0 taxable gain under this simplified model.
A personal-residence loss is generally not deductible. The entered exclusion does not establish eligibility, and the form does not model depreciation recapture or every basis adjustment. See IRS Publication 523 for the actual home-sale rules.