Property sale calculator
Concrete net proceeds from selling after N years — appreciation, taxes, mortgage payoff.
Sale parameters
What you have now, how much it will appreciate, when you sell.
Calculated from current price and growth. You can override manually if you have a specific estimate — the growth % will recalculate automatically.
0 % if you lived in the property ≥2 years or owned it ≥10 years. Otherwise 15 % on the difference between sale and purchase price (individuals). 21 % for legal entities.
What you take home
Czech property sale — what makes up your net proceeds
When selling Czech property, only one number really matters: how much hits your bank account after all deductions. This calculator computes it in 5 steps.
1. Future sale value
Based on your current price and assumed annual market growth. Prague and Brno have historically grown 4–6 % annually long-term; smaller cities 2–4 %. Use 3 % for a conservative estimate, 5 % for an optimistic one.
2. Real-estate fees (3 %)
Standard agent commission in Czech Republic is 3 % of sale price (sometimes 4 %). For sales over 10M Kč you can usually negotiate down to 2 %. Selling yourself via online listing saves the commission but you pay for photographer, legal services (5–15k Kč) and invest ~50 hours of your time.
3. Sale tax — when 0 %
In Czech Republic, the sale is exempt from income tax if any one of these applies:
- You lived in the property for at least 2 years immediately before sale
- You owned for at least 10 years (since 2021; previously 5 years)
- You use the proceeds for own housing within 1 year
Otherwise, the gain (sale − purchase price) is taxed at 15 % for individuals.
4. Mortgage payoff
If you have an active mortgage, the bank requires full payoff at sale. Outside the fixation end window, banks may charge up to 1 % of the prepaid amount (capped at 50,000 Kč). Optimize timing — selling at end of fixation saves this fee.
5. Net proceeds
What's left for you. If the result surprises you (in either direction), try changing the horizon or appreciation rate to see how sensitive your outcome is to assumptions.
What people ask most
When is the sale exempt from tax?
If you lived in the property for at least 2 years immediately before sale, or owned it for at least 10 years, or use the proceeds for own housing within 1 year (any one suffices). Otherwise, the gain (sale − purchase price) is taxed at 15 % for individuals.
How high are real-estate fees in Czech Republic?
Standard agent commission 3 %, sometimes 4 %. For sales over 10M Kč you can usually negotiate to 2 %. Selling without an agent saves the commission but you pay for photography, listing fees, legal services (15–30k Kč) and invest ~50 hours.
What if there's an active mortgage?
The bank requires full payoff at sale. Outside fixation end, they may charge up to 1 % of prepaid amount (max 50,000 Kč). Optimize timing — selling at end of fixation saves this fee. Also notify your bank 30+ days in advance.
When's the best time to sell in Czech Republic?
By season — spring and autumn have most buyers. By market — when prices rise faster than inflation and mortgage rates fall (more buyers can afford). By tax — after 2 years of living there or 10 years of ownership (then 0 % tax).
Should I sell or refinance?
If your goal is to extract equity, refinancing is often better — you keep the property (and future appreciation) and avoid sale costs. Selling makes sense if you no longer want to be a landlord, need the cash for a different purpose, or believe prices have peaked.