Start with realistic numbers.
Use a local agent’s pricing advice, quotes for work and actual purchase terms where available. Enter the total commission quote rather than assuming a standard percentage.
How much money will I actually keep when I sell my house in Saskatchewan?
Start with the sale price, subtract the selling costs you pay and the mortgage and other secured debt that must be paid out, then account for closing adjustments and any tax that applies. The amount depends on your actual agreement, lender payout and costs. This calculator compares selling and holding costs before debt and income tax; the example below shows how subtracting mortgage principal changes what remains.
Ask your lender for a payout statement for the expected closing date. Separate the remaining loan principal from interest, discharge fees and any early-payment penalty so each amount is counted once. Your lawyer can confirm closing adjustments; your tax adviser can confirm any tax to allow for.
Pursuit normally covers both the seller’s and buyer’s lawyer fees. Who pays is agreed for each transaction and confirmed in the purchase agreement, including any agreed written changes. That does not automatically cover mortgage debt or lender charges. See who pays lawyer fees ↗
Sources: FCAC selling costs and mortgage discharge guidance. Published by Pursuit of Properties Inc. · Updated November 6, 2026.
See the mortgage-payout example ↓What your numbers show.
Blank cost fields count as $0. Include all applicable costs for both options before relying on the comparison. Amounts are rounded to the nearest dollar.
Enter a positive sale price for both options to see your comparison. Use non-negative costs and a timeline of up to 120 months.
These figures are not your final closing cheque. Mortgage principal, other secured debts, income or capital-gains tax and unentered adjustments are not deducted. Monthly costs estimate the cost of waiting and may be paid before closing. Use your lender’s payout statement and your lawyer’s closing figures for a final calculation.
Questions to take to the conversation
- Who is buying, and can the agreement be assigned?
- What conditions remain and who pays each cost?
- What happens with belongings, access and possession?
- What still needs to happen for the closing date to work?
My priority: ____________________ Questions or missing costs: ____________________
Pursuit of Properties · pursuitofproperties.ca/selling-cost-calculator · (639) 397-5999
Price is only one part of the decision
Keep both options honest.
A direct sale can still involve legal fees, mortgage charges or other expenses. Include any work or fees you agreed to pay. A traditional sale does not always require repairs or staging.
Consider more than money.
Compare access for showings, preparation, the proposed closing date and contract conditions. This calculator does not estimate the likelihood that either sale will close.
For an independent overview of possible selling costs, see the Financial Consumer Agency of Canada’s guide to selling a home ↗.
Does this calculator give me a cash offer?
No. It compares the numbers you enter. Pursuit needs to review your property before discussing an actual offer.
Why not subtract my mortgage balance?
This tool compares sale proceeds after entered selling and holding costs. Mortgage balances can change by closing date. Your lender and lawyer can confirm the remaining debt, adjustments and final amount payable to you.
Are my numbers sent to Pursuit?
No. This calculator runs in your browser. The values are not submitted to Pursuit, stored by this calculator or included in the offer-request link. Refreshing or leaving the page clears them.
What remains after costs and mortgage debt?
Suppose you are comparing a $300,000 listing outcome with a $260,000 direct offer. The following invented figures show the method. They are not Saskatoon market values, standard fees, actual customer results or a Pursuit offer.
| Amount to compare | Agent-led sale | Direct purchase |
|---|---|---|
| Sale price / offer | $300,000 | $260,000 |
| Commission / selling fees | $15,000 | $0 |
| Repairs, cleaning and staging | $10,000 | $0 |
| Legal and mortgage-related fees | $2,500 | $2,500 |
| Keeping the property at $1,500/month | 3 months: $4,500 | 1 month: $1,500 |
| Total entered costs | $32,000 | $4,000 |
| After costs, before debt and income tax | $268,000 | $256,000 |
| Mortgage principal still to pay | $180,000 | $180,000 |
| Remaining after entered costs and mortgage principal, before income tax | $88,000 | $76,000 |
With these assumptions, listing leaves $12,000 more. A direct offer would need to be $272,000 to match that amount if its costs stayed the same. A different price, repair bill or closing timeline changes the answer.
Here, $268,000 minus $180,000 leaves $88,000 for the listing, compared with $76,000 for the direct sale. We assume the same remaining mortgage principal, no other secured debts and no additional closing adjustments. Actual payouts can differ with the closing date. Income and capital-gains tax are not calculated.
The $2,500 fee allowance in each column is hypothetical. For the direct purchase, it represents lender charges or other costs the seller has agreed to pay, not an assumption that the seller pays Pursuit’s lawyer fees. Replace it with your own written terms. Do not subtract fees again if they are already included in your lender’s total payout.
These are amounts retained after the costs shown, not a prediction of your closing cheque. Repairs and holding costs may have been paid earlier. Your lawyer’s closing statement shows the actual funds payable to you.
The estimated listing result is not a firm offer. Compare written terms, remaining conditions and your capacity to prepare the house alongside the numbers. Neither option always wins.
Use my own figures in the calculator ↑What to collect before deciding
- A realistic listing estimate and the full fee quote, including any applicable tax.
- Repair or cleanout quotes for work you would actually choose or agree to pay for.
- Your current monthly property expenses and a realistic timeline for each option.
- The proposed buyer, any partner or assignment arrangement, conditions and possession date.
- Your lender’s payout information and your lawyer’s closing figures before relying on a final amount.
Start with the information you have. Avoid sending private financial or identity documents through an initial enquiry.
Prepared by Pursuit of Properties. Method: price minus entered selling costs and monthly holding cost multiplied by months. The calculator does not predict sale prices or closing dates.