Property Break-Even Sale Price Calculator
Work out the minimum sale price needed to cover your outstanding loan and selling costs without a loss.
Your results
Calculation breakdown
- Break-even price
- (purchase price + purchase costs) ÷ (1 − selling cost %)
Worked example
A $600,000 purchase with $25,000 in buying costs and a 2.5% selling cost estimate needs a sale price of about $641,000 to break even.
Assumptions
- Assumes selling costs (agent commission, marketing) scale with the sale price.
- Does not account for capital gains tax, which may apply separately on an investment property.
How this calculator works
This calculator adds your outstanding loan balance to estimated selling costs, such as agent commission and marketing, to show the minimum sale price needed to walk away without a loss.
Frequently asked questions
What selling costs should I include?
Typically agent commission, marketing costs and any final conveyancing fees for the sale — enter your own quoted figures.
Does this account for capital gains tax?
No, this is a break-even cash calculation only; check the capital gains tax calculator separately if the property isn't your main residence.
What if my sale price is below this figure?
Selling below the break-even price means you'd need to bring extra cash to settlement to clear the loan and costs in full.
Editorial review and responsibility
Reviewed by the CalcAussie editorial team on 21 September 2026. Review scope: Method, Australian terminology, material assumptions, source links and user-facing limitations.
Calculator results remain estimates based on the figures entered. Check material decisions against current official information and report a suspected error so it can be reproduced and corrected.
Results are estimates only and are not financial, tax, legal or credit advice.