Free tool
Net Proceeds Calculator
The sale price is not what you keep. Enter your numbers and see the cash that actually reaches your account at closing, and what arrives later.
The headline price agreed with the buyer.
Loans, equipment finance and lines of credit cleared at closing.
Commonly 8–12% for smaller businesses. Enter 0 if you are selling direct.
Often $10K–$40K depending on deal size and how clean the books are.
Escrow, transfer fees, lease assignment, environmental reports.
Roughly what you invested in the business for tax purposes. If you started it from nothing, this is often small.
A planning figure. Many owners model 20–28% combined federal and state.
The share you agree to be paid over time. SBA deals often include 5–15%.
Cash at closing
$744,000
$894,000 in total once the seller note is paid
A planning estimate, not tax advice. Your accountant's number will differ once the price is allocated across goodwill, equipment and inventory.
Don't know your sale price yet? Get your value range first.
Common questions
What are net proceeds?
The cash left in your hands after the sale price has paid off business debt, broker and advisory fees, legal and closing costs, and the tax on your gain.
What tax rate should I use?
Long-term capital gains on a business sale commonly land between 15% and 25% federally once state tax is added, but the split between goodwill, equipment and inventory changes it. Use a rough figure here and get a real number from your accountant.
Why does a seller note reduce my cash at close?
A seller note means you finance part of the price yourself, so that portion is paid to you over time rather than at closing. It still counts toward your total, just later — and only if the buyer keeps paying.
What is a typical broker fee?
Main-street brokers commonly charge 8–12% of the sale price. Lower-middle-market M&A advisers usually charge less on a percentage basis but add a monthly retainer.
Is this a tax calculation I can rely on?
No. It is a planning estimate. Deal structure, asset allocation, entity type and state all change the real tax bill.