Funeral home seller net proceeds calculator
The number in a letter of intent is not the number that reaches your bank account. This calculator walks from headline price to estimated cash at closing.
Seller net proceeds estimator
Walks from headline price to cash in hand. Tax inputs are a rough blended placeholder; your CPA should model the real allocation.
Educational estimate only. Not an appraisal, valuation opinion, or loan approval.
What the calculator does
It starts with the headline price, subtracts any preneed shortfall adjustment, adds or subtracts working capital and other adjustments, then removes transaction fees, an estimated tax on the gain, debt and liens paid at closing, and amounts paid later through a seller note or earnout. It reports both cash at closing and total after-tax value including deferred amounts.
About the tax line
The tax input is a single blended rate on gain over your basis, which is a simplification. In a real asset sale, the purchase price is allocated across asset classes on IRS Form 8594, and each class can be taxed differently: equipment can carry depreciation recapture, goodwill is often capital gain, and a consulting agreement is ordinary income. C corporations face an additional layer. Your CPA should model the actual allocation; our tax guide explains the moving parts.
Why deferred amounts matter
Seller notes and earnouts can increase the total price, but they carry risk. A note depends on the buyer’s ability to pay, and an earnout depends on call volume after you no longer control the business. Treat them as worth less than cash today.
Using the result
Run the calculator with two or three offers side by side. A higher headline with a large earnout and a big preneed adjustment can be worth less than a lower clean offer. The comparison often changes which buyer looks best.